When the bank says that the overseas investigation means that your credit card is overdue for a long time, the bank will go to your home to find out your financial situation with your neighbor village government and determine whether you are able to repay, refuse to repay or maliciously unable to repay.

You can negotiate with the bank.

1, actively negotiate. If the borrower fails to pay back the money, he needs to take the initiative to call the bank to explain his financial situation, and then apply for installment or deferred repayment;

2. Pay as much as you can. If you can't repay in full, then do your best to repay, which can show your willingness to repay;

3. Good attitude. If it is overdue, the bank must answer the call and have a good attitude, which shows that there is still a willingness to repay.