Lack of credibility. Problems to be faced when the credit card is overdue for 3 months 1, telephone collection, lawyer's letter collection, door-to-door collection, relatives and friends collection 2. Before and after the civil lawsuit is sued, a few banks may negotiate with you to repay the arrears in installments, but the number of installments is generally short; Of course, the initiative is in the hands of banks, and most banks will not negotiate. If the court still refuses to return it after the judgment. You may face enforcement (executing assets in your name, freezing savings cards, etc.). ), restricted high consumption, was included in the list of people who were executed for breach of trust, the principal of criminal responsibility was more than 50,000 yuan, and it was overdue for more than three months. Two effective collections may involve Article 196 of the Criminal Law. If the bank chooses to report the case, the police will generally let you know the following information before deciding whether to file a case, and just pay back the arrears before filing a case. If the police file a case, they will face criminal responsibility and fines. According to some cases of the ruling network, before the court decides, the fine is usually suspended to repay the arrears.