if the credit card is overdue for more than 3 months, the bank can sue the user. After the court issues a judgment, the user still refuses to repay the loan. At this time, the court will enforce it, and the savings card under the cardholder's name may be frozen for debt repayment.

a Credit Card is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer.

a credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the specified limit.

The function of credit card:

1. It is convenient for people's life and saves the trouble of carrying cash. Moreover, there is no geographical restriction in using credit card. No matter where you swipe your card in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee;

2. Be able to participate in various discount activities in cooperation between merchants and banks;

3. The points earned by credit card spending can be exchanged for gifts;

4. Repayment in time after swiping the card will enhance the credibility of personal banks.

Use of credit card:

1. Shopping.

2. Microfinance.

3. save money.

4. Save money by shopping.

5. Value-added services of credit cards to obtain cheap insurance and travel.

6. Credit certificate.

Cash withdrawal methods for credit cards are as follows:

1. Counter cash withdrawal:

Cardholders can take their credit cards to any bank counter, apply to the staff for cash withdrawal, and then enter the withdrawal password with their help to withdraw cash.

2. Cash withdrawal by binding cards:

Cardholders can bind their credit cards with a peer savings card in credit card online banking, and then transfer the credit line to the savings card, and then use the savings card for consumption. This behavior is also called cash withdrawal.

3. ATM cash withdrawal:

Insert the credit card into the ATM cash withdrawal machine, enter the payment password of the credit card, select cash withdrawal, then enter the cash withdrawal amount, and finally confirm.

the ways to repay money by credit card are:

1. repayment by ATM. Cardholders can go to the ATM of the bank to make a card deposit, and depositing money into the credit card means paying back the money.

2. repayment by mobile banking. All major banks have mobile banking software, which can repay credit cards after being installed on mobile phones.

3. Alipay repays. There is a credit card repayment function on Alipay. Click "Credit Card Repayment" on the homepage, and you can repay after binding the credit card.

4. wechat repayment. There is a credit card repayment function on WeChat. Click "I"-"Pay" to see the "Credit Card Repayment" function.

5. repayment at the bank counter. Cardholders can go to bank outlets with credit cards, ID cards and cash, and handle credit card repayment business at the counter.