The judgment of owing money and credit card has been made, and it can be reduced or exempted through negotiation. However, in general, it is necessary to strictly follow the judgment. It's ok if the bank agrees to give you interest relief, but the bank certainly doesn't want to suffer.

1. how long can I apply for enforcement after the judgment is issued?

Many people can't pay back their credit cards, because they have borrowed too much money and have no source of funds. At this time, they will be sued by the bank to the court. After the judgment is issued, they can generally apply for compulsory execution within six months. This mainly refers to the cases in which the person subjected to execution has property available for execution, and the enforcement court generally implements the settlement within 6 months from the date of filing (for non-litigation cases, the administrative organ takes specific administrative actions, and the court takes compulsory measures to ensure the realization of the specific administrative actions, and such cases generally implement the settlement within 3 months from the date of filing). You can apply for compulsory execution within two years after the judgment takes effect. Once so, be sure to pay off the debt within the time limit. Therefore, we must pay off our debts within the time limit.

second, what will happen if the credit card default is sued and filed?

most people will be sued by the bank if they owe money on their credit cards, and then the court will file a case. The result will be serious. As follows: 1. Default of ordinary credit card is a civil debt dispute. Before or during the court session, we should actively express our willingness to repay and negotiate with the bank to reach a repayment agreement as soon as possible. 2. If the credit card is used for fraud, it will promote the crime of credit card fraud in the Criminal Law. 3. Article 7 Under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.

to sum up, you should borrow as much as you can, otherwise it will be unclear within the overdue period, and the consequences will be very serious. And some informal loan platforms will carry out violent collection, which will affect your personal life.