When dealing with overdue credit card repayment, you can consider entrusting others to handle it on your behalf. However, it needs to be clear that the debtor's personal freedom is restricted because of suspected crimes, and the bank has the right to sue the debtor. Therefore, it is recommended that the parties actively communicate with the bank or contact family and friends to handle it on their behalf, so as to avoid the risk of credit card fraud.

Late repayment of credit cards can lead to serious consequences. Banks have the right to sue overdue debts, and the court can include debtors in the list of untrustworthy people. Even after the debtor is released from prison or released from custody, the bank still has the right to demand compulsory execution and freeze his property.

Therefore, when using a credit card, the overdraft function should be used moderately. Although credit card has overdraft function, it actually constitutes the loan relationship between customers and banks. If you don't repay the loan at maturity, it may not only lead to legal disputes, but also bear high penalty interest. Most importantly, it will also form a bad credit record, which will adversely affect future work and life.

What are the consequences of credit cards?

1. High interest and late payment fee: If the cardholder fails to pay it back within the time limit, he will no longer enjoy the interest-free period of the credit card, and will charge 5% interest every day from the date of consumption, with monthly compound interest. If the credit card fails to repay in time after the interest-free period, the bank will charge the cardholder a late fee of 5% of the minimum unpaid amount. After a period of time, the bank will charge the cardholder a higher penalty interest.

2. Personal credit stain: Personal credit record is very important. Users who have applied for credit cards or loans before should understand that once there are bad records in their credit records, it will increase the difficulty of handling cards. It will also affect the later purchase of houses.

3. Suspension of credit card use: If the credit card is not repaid, the bank will withdraw the revolving credit given to the cardholder and the credit card will be suspended. For large debts that have been owed for many times or for a long time, the bank will think that the cardholder's repayment risk is high, so it will stop using the credit card and recover the arrears from the cardholder. If the bank still fails to repay the credit card arrears, the bank may apply for auction of other fixed assets of the cardholder.