Legal analysis: overdue credit card is a civil case. If the credit card is overdue, it will also generate late payment fees and overdue interest. If it is not returned after being urged, it will be sued by the bank. A bank that has the ability to execute the court's judgment after prosecution, but refuses to execute the court's judgment, may be included in the list of people who have lost their trust.

Legal basis: Article 676 of the Civil Code of People's Republic of China (PRC). If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.