Explain clearly your inability to repay, and then try to apply for extending the repayment period, repaying the debt in installments, and at the same time, you can try to apply for a suspension of interest rates. If the overdraft is malicious, it is suspected of credit card fraud. The bank can sue the court and the cardholder will be subject to corresponding criminal penalties. If the customer refuses to repay, the court may impose enforcement actions, freezing the bank card in his name, deducting the funds therein for repayment, and mortgaging or auctioning the property in the customer's name to offset the credit card debt.

First, a credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit

2. my country’s relevant laws ( "Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refers to credit cards issued by commercial banks or other financial institutions that have all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. Electronic payment cards

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay. ; A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Fourth, the earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line.

Fifth, a credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name and other contents are printed on the front, and the name of the cardholder is printed on the back. Chip, magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.