Legal analysis: If the credit card debt is not repaid, whether the property will be auctioned should be determined based on the ownership situation. If the party owes a credit card, the bank will file a civil lawsuit in the People's Court. After the People's Court makes a judgment, but the party still has not repaid, the bank will go to the People's Court to apply for enforcement and let the people's court enforce the property of the party. If the party has no deposits, as long as the party has no deposit, For real estate, the property will be auctioned, and then the debt will be repaid with the proceeds. If the bank does not file a civil lawsuit, the property will not be auctioned.

Legal basis: Article 247 of the "Civil Procedure Law of the People's Republic of China" After the property is sealed or detained, the execution officer shall order the person subject to execution to perform the legal documents within the specified period. obligations. If the person subject to execution fails to perform within the time limit, the people's court shall auction the sealed or impounded property; if it is not suitable for auction or both parties agree not to conduct an auction, the people's court may entrust the relevant unit to sell it or sell it on its own. Items that are prohibited from being freely bought and sold by the state shall be handed over to relevant units for purchase at prices set by the state.