1. What if the credit card is not repaid in the current month?

1. Borrow money for repayment: If you don't have a credit card, you can borrow money from relatives and friends, and solve the repayment crisis first to ensure that the credit card is not overdue. After this period of time, you can repay it to your relatives and friends.

2. Apply for extension: You can call the customer service phone of the credit card bank, explain the reasons why the credit card has not been repaid, and apply to the bank for extension of repayment. I hope that the bank will agree to postpone the repayment and will repay the loan according to the new extension method.

3. Negotiated repayment: If the credit card can't repay, take the initiative to contact the bank's customer service, apply for negotiated repayment, and re-establish the repayment plan. However, the agreed repayment needs to be audited by the bank, and the repayment can only be made according to the new repayment method after the approval.

Second, how to determine whether the overdue credit card constitutes a malicious overdraft?

Overdraft refers to the behavior of allowing the cardholder to withdraw cash or spend more than the existing funds on the card according to the card issuing agreement or with the consent of the bank when there is no funds or insufficient funds in the card issuing bank account. Overdraft is essentially a short-term credit provided by banks to customers, and the overdraft function is also the most obvious feature that distinguishes credit cards from other financial documents. Credit card overdraft is based on the cardholder's good credit status. Therefore, overdraft is limited to legal cardholders, and illegal cardholders cannot be considered as credit card overdraft. Overdraft can be divided into goodwill overdraft and malicious overdraft.

Whether malicious overdraft is illegal or criminal, cardholders have the purpose of illegal possession. The difference lies in whether it has reached the level of crime or not, and whether it has reached the amount of judicial interpretation is the standard in practice.

(a) overdraft exceeding the prescribed limit, which is not repaid after collection, is a criminal malicious overdraft. If the overdraft exceeds the limit, the issuing bank can collect it at any time. Non-refunding means "non-refunding within 3 months from the date of receiving the reminder notice from the issuing bank". If the cardholder returns the overdraft automatically without reminding or after reminding, it will not be treated as a crime, which constitutes an improper overdraft and bears corresponding civil liabilities.

(2) Overdraft that exceeds the prescribed time limit and is not repaid after collection is called criminal malicious overdraft. The Measures for the Management of Bank Card Business stipulates that the maximum overdraft period of quasi-credit cards is 60 days, and the part of the issuing bank stipulates that it is 1 month. If the overdraft amount does not exceed the limit, but exceeds the above-mentioned time limit and is not returned after being collected by the issuing bank, it also constitutes a crime. The time limit for returning the actor after receiving it is 3 months. If the actor fails to collect or automatically returns the overdraft after collection, it will not be treated as a crime, which constitutes an improper overdraft and bears corresponding civil liabilities.

Once the credit card is overdue, the consequences will be very serious. Therefore, when the credit card is overdue, it is necessary to communicate with the bank in time to negotiate repayment. If it is determined to be a malicious overdraft, it may be suspected of a criminal offence. Generally speaking, if the investment exceeds the prescribed limit and the bank fails to repay after collection, it will most likely be considered as malicious overdraft.