1. If one party is sued for overdue credit card, it is a civil debt dispute. Advise the parties to repay the arrears as soon as possible, so that the bank will not sue the parties.

2. If the collection of malicious overdraft in the issuing bank is invalid, in addition to immediately stopping payment, you should also contact the guarantor as soon as possible and ask him to fulfill the due guarantee responsibility. If the guarantor refuses to perform the guarantee responsibility, it shall take judicial measures to solve it.