First, your attitude is wrong. Instead of facing it positively, you chose to avoid it. Even if you can avoid the first day, you can't avoid the fifteenth. Borrowed money is still a matter of course. Credit card is a loan method protected by national laws. If the amount you owe is too large, the state will use the power of the police to arrest you. And you have been in arrears for three months, which has constituted a serious problem. I hope you will take the initiative to repay the loan as soon as possible, so as not to cause an irreversible situation.

I'll give you several repayment methods. The first one is that credit card repayment has a minimum repayment amount. You can pay the minimum repayment in advance. The minimum repayment amount is equivalent to installment payment. The minimum repayment amount is 65,438+00% of the principal owed to others, and then interest will be charged on the unpaid principal. So the bank won't call you every day, and the bank won't pursue it. And most importantly, it won't affect your credibility. The second method is that you can apply for another credit card, use the money from this credit card to pay back the money from the last credit card, then take out the money from the last credit card and pay back the money from the new credit card, and so on until you have money. After all, this method is not long-term, and this interest also needs to be collected.

If the credit card owes too much money and other banks refuse to answer the phone for many times, according to Article 196 of the Credit Card Law of People's Republic of China (PRC), if a large number of people commit credit card fraud, they shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 but not more than 200,000. If the circumstances are especially serious and the amount owed is huge, he shall be sentenced to more than ten years or even life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated.

All right, that's it. Thank you for watching. Give Xu Daqiang some attention and love.