1. The issuing bank will collect credit card loans according to law. According to the loan contract and guarantee contract (mortgage or pledge contract), the issuing bank will bring a lawsuit to the court, and the court will take measures such as property preservation, including freezing the bank deposit of the credit user and sealing up the pledged property.

2. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: default of principal, default of interest, overdue interest, default interest, all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.

3. Credit will be affected. If the borrower is a company, your company will be recorded in the national bank credit information system, and credit card overdrafts in the name of individuals will also be recorded as overdue loans in the national personal credit information system.

4. If you are not maliciously defaulting on the bank loan and are able to pay the interest on the normal credit card overdraft, it is recommended to apply to the credit card center for suspension of repayment first, stating the willingness to repay, the fact that you have not paid the credit card debt for the time being and the plan for repayment in the future. Normally, the bank will give you a grace period.