legal subjectivity: after the credit card is overdue, customers can call the service hotline of the card-issuing bank directly to apply to the customer service staff if they want to stop paying their bills. First, how to handle the overdue credit card suspension? After the credit card is overdue, if the customer wants to handle the suspension, he can directly call the service hotline of the issuing bank to apply to the customer service staff. However, the bank will not directly agree, and customers need to negotiate. During the negotiation process, it is necessary to explain clearly to the bank that they are temporarily unable to repay their debts, indicating that they did not intentionally fail to repay their debts. It is best to provide some information to prove it, and then express their willingness to repay actively, so that the bank will consider it as appropriate. In addition to applying for suspension of payment, customers can actually try to apply for extending the repayment period and repaying the arrears in installments. If the bank finally agrees, the interest will not be tried again after the arrears. As for the interest and the principal of the arrears, the customer only needs to repay them on time and in installments according to the repayment plan newly negotiated with the bank. It is suggested that customers should develop the good habit of paying back on time. If they find that they can't pay back on time, they can apply for bill installment or minimum repayment in advance before the repayment date to avoid overdue. Second, what are the consequences of overdue repayment of credit cards? 1. Late payment fees for credit cards. The so-called late payment fee for credit card refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the cardholder fails to repay before the due repayment date (inclusive) or the repayment amount is less than the minimum repayment amount. 2. Overdue interest. After a user overdraws with a credit card, there is generally an interest-free repayment period ranging from more than 2 days to more than 5 days. If the cardholder's repayment is overdue, then all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the revolving daily interest rate is as high as five ten thousandths, that is, the annual interest rate will reach 18%. 3. Bad credit record. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records. 4. Litigation costs. If the credit card is not repaid for more than 3 months, the bank will ask the lawyer to send a lawyer's letter to the user and bring a lawsuit to the court, and the litigation expenses will be borne by the cardholder. 5. Criminal responsibility for malicious overdraft. Credit card overdue will happen, and many people may take some extreme measures in this respect, such as malicious overdraft and so on. Once the financial ability cannot be repaid, it is necessary to contact the relevant institutions immediately and then discuss the installment payment and other matters. Legal objectivity: Article 196 of the Criminal Law commits the crime of credit card fraud under any of the following circumstances. If the amount of credit card fraud is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, 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 ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) Malicious overdraft.