legal analysis: the consequences of sending overdue letters by credit cards: 1. overdue interest and late fees; 2. Bad credit record; 3. The bank will collect the money and may face criminal problems. Therefore, after the credit card is overdue, it must be returned as soon as possible to make up for it. If it can't be repaid, you can negotiate with the bank to communicate the repayment method so as not to be sued in the people's court.

legal basis: article 675 of the civil code of the people's Republic of China

the borrower shall repay the loan within the agreed time limit. If the loan term is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 51 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

article 676 if the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.