Legal analysis: If you are really unable to repay, try showing a medical certificate and actively apply for an extension or bad debt treatment with the bank. If there is a guardian, the bank will ask the guardian for repayment. Overdue credit records will not be damaged.

Legal basis: "Criminal Law of the People's Republic of China" Article 18 If a mentally ill person causes harmful consequences when he is unable to recognize or control his own behavior and is confirmed by legal procedures, he shall not be held criminally liable. responsibility, but his family members or guardians should be ordered to strictly monitor him and provide compulsory medical treatment by the government when medical treatment is necessary. Intermittent mental patients who commit crimes when they are sane should be held criminally responsible.