Legal analysis: it is suggested that cardholders contact the bank actively to explain their current situation and willingness to repay. If the amount of arrears is relatively large and it is really impossible to pay off all the arrears at one time, then you can negotiate with the bank for repayment. Under normal circumstances, as long as the credit card has the willingness to repay, the bank will not easily sue the user.

Legal Basis: Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Bad Faith Article 1 If the executed person fails to fulfill the obligations specified in the effective legal documents and has any of the following circumstances, the people's court shall include him in the list of executed persons with bad faith and punish him with credit according to law:

1, refusing to perform the obligations specified in the effective legal documents when it has the ability to perform;

2. Obstructing or resisting execution by forging evidence, violence or threats;

3. Evading execution by false litigation, false arbitration or concealing or transferring property;

4. Violating the property reporting system;

5. Violating the consumption restriction order;

6. Refusing to perform the settlement agreement without justifiable reasons.