Legal analysis: If the overdraft credit card cannot be repaid, there are three solutions: 1. negotiation. Cardholders can proactively contact the card-issuing bank by phone to negotiate the repayment channels and specific repayment amounts for the overdraft amount; 2. Authorize a litigation agent to sue the bank. If the bank files a lawsuit, the cardholder can entrust a litigation agent to handle the litigation matters; 3. It is enforced by the people's court and blacklisted. If the cardholder is unable to repay the loan, it will be enforced by the court.

Legal basis: Article 120 of the Civil Procedure Law of the People's Republic of China. The indictment shall be submitted to the People's Court, and copies shall be submitted according to the number of defendants. If it is really difficult to write a complaint, you can file a complaint orally, and the people's court will record it and inform the other party.