After the credit card is overdue, it can be reduced or exempted as long as it is not maliciously defaulted.

It is a breach of contract not to repay after a credit card is overdrawn. The bank may require the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee, etc. At the same time, the bank can apply to freeze your card, list you as a prohibited customer (blacklist), file a lawsuit with the court and apply for enforcement. For the purpose of illegal possession, the cardholder maliciously overdraws a certain amount, and the overdue amount exceeds 1 000. If the cardholder fails to return it after being urged twice by the issuing bank for more than 3 months, he is suspected of credit card fraud and will bear criminal responsibility.