In this case, you can first find the neighborhood Committee where the household registration is located to issue some certificates of difficult conditions, so that you can negotiate with the bank for low-interest or interest-free repayment; Besides, you can't do it without repayment. If the credit card is overdue, there will not only be a late payment fee of 5% for the minimum unpaid part, but also a full penalty interest on the bill (the daily interest will be calculated from the day of consumption, and the interest will be recovered monthly until the principal and interest are paid off). There will also be a bad credit record in the Credit Information Center of the People's Bank of China, and it is difficult to apply for credit cards and bank loans within five years; If you don't pay back for more than three months or the bank reminds you more than twice, the bank will freeze your card, put you on the blacklist, and sue you for credit card fraud and malicious overdraft. I suggest you find a way to repay as soon as possible or negotiate with the bank to repay in installments to avoid rising from civil disputes to criminal disputes.

For overdue users, banks can refer to the dunning process: