If the credit card has not been returned for a long time, the interest shall be calculated at the daily interest rate of five ten thousandths.
(1) 60 days overdue is counted as personal credit;
(2) Overdue for 90 days is counted as bad personal credit information;
(3) If it is overdue for more than 90 days, the bank will no longer collect the arrears and will bring a lawsuit to the court;
(4) After the award, the collateral is enforced to pay off the debts agreed in the contract;
⑤ The lender shall bear all the litigation costs.