Legal analysis: If you have the right, this is called credit card collection. When you apply for a credit card, you should write down the phone number of your family as an emergency contact. Credit card overdue is not an ordinary private lending dispute. Once the overdue principal exceeds 1 10,000, you can report to the police according to the relevant provisions of Article 196 of the Criminal Law, and you will face fixed-term imprisonment or criminal detention and be fined at least 20,000. Your credit card is in arrears for 3 months, which belongs to M2 period in credit card collection. During this period, your credit record will have a great impact, and the bank credit record will be stained, which will have an impact on future loans and job hunting in larger enterprises.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph means that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.