1. Which country's bank issued the credit card? If it is issued by a domestic bank, the foreign merchant must have a valid identity document or valid guarantee document (or company guarantee or the like). With these things , even if he does not repay, the processing process is the same as that of other people in China who do not repay. Failure to repay a penny for three months is considered a malicious overdraft, and legal liability can be pursued. If others leave, the guarantee will be pursued (In fact, it is difficult for foreigners who have not obtained Chinese nationality to apply for domestic credit cards, almost impossible)

2. If the card issuing bank is overseas, it does not concern us It's a matter of fact. If you want to investigate, the card issuer will also investigate.