if the credit card is sued by the bank when it is overdue and there is no money, the borrower had better pay off the overdue as soon as possible according to the judgment. If it is really unable to repay, it can negotiate with the bank and be repaid by stages after mediation by the court. Some of them should not be ignored or refused to repay all the time. Negative treatment is the worst way to deal with it. If it is not faced all the time, the bank can ask the court to enforce the freezing of assets under the borrower's name or auction the borrower's name to get out of the car.

If there is no such property that can be forced by the court to auction, and the debtor himself strongly refuses to fulfill the repayment obligation, he will be classified as the person who has broken his promise; And if the borrower clearly has the ability to repay but resolutely refuses to implement it, it is likely to be suspected of criminal punishment and criminal detention.

legal basis

article 241 of the civil procedure law of the people's Republic of China (revised in 217)

if the person subjected to execution fails to perform the obligations specified in the legal documents according to the execution notice, he shall report the current property situation and the property situation one year before the date of receiving the execution notice. If the person subjected to execution refuses to make a report or makes a false report, the people's court may, according to the seriousness of the case, impose a fine or detain the person subjected to execution or his legal representative, the principal responsible person of the relevant unit or the person directly responsible.

article 242 of the civil procedure law of the people's Republic of China (revised in 217) the court has the right to take enforcement measures. if the person subjected to execution fails to fulfill the obligations specified in the legal documents according to the enforcement notice, the people's court has the right to inquire about the property of the person subjected to execution, such as deposits, bonds, stocks, fund shares and so on. The people's court has the right to seize, freeze, transfer or change the price of the property of the person subjected to execution according to different circumstances. The property inquired, seized, frozen, transferred or changed in price by the people's court shall not exceed the scope of the obligations that the person subjected to execution shall perform. When the people's court decides to seize, freeze, transfer or change the price of property, it shall make a ruling and issue a notice of assistance in execution, and the relevant units must handle it.

article 244 of the civil procedure law of the people's Republic of China (revised in 217), where the court legally takes enforcement measures, the people's court has the right to seal up, detain, freeze, auction or sell off the property of the person subjected to execution who fails to perform the obligations specified in the legal documents according to the enforcement notice. However, the necessities of life of the person subjected to execution and his dependents should be retained. The people's court shall make a ruling on taking the measures mentioned in the preceding paragraph.

article 245 seizure procedure of the civil procedure law of the people's Republic of China (revised in 217) when the people's court seals up or distrains property, if the person subjected to execution is a citizen, it shall notify the person subjected to execution or his adult family members to be present; If the person subjected to execution is a legal person or other organization, it shall notify its legal representative or principal responsible person to be present. Those who refuse to be present at the scene will not affect the execution. If the person subjected to execution is a citizen, his work unit or the grassroots organization where his property is located shall send people to participate. For the property that has been sealed up or detained, the executor must make a list, which shall be signed or sealed by the people present and handed over to the person subjected to execution. If the person subjected to execution is a citizen, he may also pay a copy to his adult family.