Legal analysis: the overdue payment order of credit card refers to the procedure that the bank applies for compulsory repayment if it fails to pay off the bank's debts in time. The responsibility of credit card overdue depends on the specific amount owed and the overdue time: credit card fraud generally means that the amount owed exceeds 10,000 yuan, and it is not paid back for more than three months after being collected twice by the issuing bank, which constitutes a crime and bears criminal responsibility and civil repayment responsibility; Those who do not meet the above conditions shall bear civil liability for repaying the arrears. Default of ordinary credit card belongs to civil debt dispute. Before or during the trial, we should actively express our willingness to repay and negotiate with the bank to reach a repayment agreement as soon as possible.

Legal basis: Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks. Under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed five years.

Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196 of the Criminal Law: (1) knowing that there is no repayment ability and the overdraft amount is too large to be returned; (two) squandering overdraft funds, unable to return; (3) Escaping after overdraft, changing contact information and avoiding bank collection; (4) evading or transferring funds, concealing property or evading repayment; (five) the use of overdraft funds for illegal and criminal activities; (six) other acts of illegal possession of funds and refusal to return them.