the repayment commitment letter can avoid the escalation of the situation. As we know, when the credit card is about to expire or overdue for one month, the issuing bank usually takes the form of telephone collection to remind and collect the debtors; At least 2 collections within 3 months overdue; If it is more than 6 months, legal proceedings will generally be taken. Therefore, the bank's request to sign a repayment commitment letter is an expression of the intention of the issuing bank to negotiate with the cardholder. If, through negotiation, the issuing bank accepts the cardholder's repayment plan, and in the following time, the cardholder repays as promised, then the issuing bank will not go through legal proceedings. Therefore, it can be seen that signing the repayment commitment letter is the last opportunity for the issuing bank to negotiate with the cardholder in a friendly way, which deserves attention. But at the same time, the repayment commitment letter is also an important evidence of written collection, and it is essential for the trial to give evidence.