If the industrial and commercial credit card is overdue for 5 years, the borrower must prove to the bank that he is willing to repay, and the borrower's economic situation is not good, otherwise the negotiation will be difficult to succeed.

The Measures for the Supervision and Administration of Credit Card Business of Commercial Banks stipulates that under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank may negotiate with the borrower for repayment, and the negotiation shall be based on the principle of fairness.