How to deal with credit card arrears: 1. Under normal circumstances, banks or other financial institutions that provide credit cards to cardholders can bring a lawsuit to the court to enforce their property by filing a civil lawsuit; 2. If the cardholder maliciously overdraws the credit card by more than 10,000 yuan for the purpose of illegal possession, and fails to repay it for more than three months after being collected twice by the issuing bank, it constitutes the crime of credit card fraud and can be punished accordingly. Legal basis: Article 196 of the Criminal Law commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft.