One year after your Minsheng Bank credit card is overdue, the Minsheng Legal Office will call you to ask you to repay, which indicates that your repayment situation is serious.

Specifically, the Minsheng Legal Office may call you to urge you to repay the loan for the following reasons:

1. The overdue time is longer: the overdue time of one year is relatively long. The bank may be worried that you won't be able to repay the loan on time, so they choose to pursue collection through the legal office.

2. Involvement of the legal department: The participation of the bank's legal department in collection shows that the bank is more serious about your repayment. The legal department is usually a professional agency that solves overdue repayment issues, and their involvement shows that the bank takes your overdue situation very seriously.

3. Pursue the arrears: At this time, the bank may have decided to take legal measures to pursue your arrears. The bank may take action such as litigation to enforce the debt and seek a legal ruling to force you to repay.

In short, the Minsheng Legal Office calling you to demand repayment indicates that your overdue situation is quite serious, and the bank is taking active actions to recover your debt.

Extended information:

Overdue repayment refers to the failure to repay the loan or credit card consumption in full according to the repayment time and amount agreed in the contract. Late repayment will have a negative impact on personal credit history and may result in overdue penalty interest, late payment fees and other additional fees. When the overdue period is long, the bank may pursue collection through the legal department, and may eventually take legal measures to recover the arrears.

It should be noted that the above analysis is based on general assumptions. The specific situation may vary depending on personal bank policies, overdue amounts, repayment willingness and other factors. It is recommended that you contact the Minsheng Legal Office as soon as possible to understand the specific repayment methods and conditions in order to solve the overdue repayment problem and try to avoid further legal risks.

I hope the above information is helpful to you. If you have any other questions, please feel free to continue asking.