Legal analysis: The bank’s collection of credit card debts is divided into two stages: the early stage and the later stage. The characters who appeared in the early stage are: customer service department, collection department, and legal department. Later methods include: debt collection companies, reporting to the central bank, and prosecution. 1. Consumption payments no longer enjoy interest-free repayment treatment. The card-issuing bank will calculate interest on a daily basis based on the consumption amount as the principal from the day the consumption occurs. The daily interest rate is 0.5% and compound interest will be charged on a monthly basis. For the unpaid portion of the minimum repayment amount, a 5% late payment fee will also be charged on a monthly basis. . 2. Initially, the card holder will be reminded through customer service and collection staff, and then reminder calls and letters will be issued. 3. If you receive a demand letter or a lawyer's letter and still fail to repay the loan, the card issuing bank will report it to the Central Bank, which will cause a stain on your credit record, and finally use legal means to force repayment.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Anyone who commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention. , and shall be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or If there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) Using a forged credit card, or using a false identity certificate to fraudulently obtain money; (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.