1. sued and demanded repayment: the bank or credit card company may sue you and demand repayment of the arrears. Prosecution usually includes bringing a lawsuit to the court. If the court decides that you need to repay the arrears, you need to make repayment according to the requirements of the court.
2. The court decides to freeze assets: Once the court decides that you need to repay the arrears, the court may freeze your bank account, salary or other assets to ensure that you repay the arrears. This means that you may not be free to use your assets or conduct other related transactions.
3. Damaged credit record: overdue debts and being sued will have a negative impact on your credit record. A negative credit record may affect your ability to borrow in the future, making it difficult for you to apply for loans and credit cards.
To sum up, if the credit card debt exceeds 30,000, it may face the consequences of litigation, asset freezing and credit record damage. In order to avoid this situation, it is suggested that you contact the credit card company as soon as possible to negotiate the repayment plan to avoid legal disputes and damage to your credit record.
Supplementary information: According to Chinese laws and regulations, overdue repayment of credit cards may involve the Contract Law, the Supreme People's Court's Interpretation on Several Issues Concerning the Application of the Contract Law of People's Republic of China (PRC) (II) and other relevant provisions. The specific case handling needs to be determined according to the actual judgments of local courts.
Please note that it is best to consult a professional or lawyer when dealing with such problems, and understand the legal provisions and the best solution applicable to your personal situation. The above answers are for reference only, and I hope they will help you.