you can negotiate with the bank. First, if it is overdue for a long time, the bank will call for repayment. If it still fails to repay, the bank has the right to sue in court. It's difficult to deal with it when it comes to prosecution. The court will impose a sentence based on the crime of credit card fraud! Second, the overdue credit card affects the credit record, and the credit stain will be recorded in the credit information system. If you want to apply for other bank loans and credit card business, the bank will check the credit report. If there is a record of non-repayment, the bank will generally not accept the application. Find a way to pay back the arrears, and the card will be resumed naturally. After that, it will take about half a year to accumulate good credit records for credit card swiping and repayment, and cover the original bad records with good records. This is the correct way. Or you can cancel the card after repayment. The credit card is only used for emergencies. If you don't use it well, it will only stimulate the desire for consumption. As a result, the more you swipe your card, the more you owe. Article 196 of the Criminal Law of the People's Republic of China commits credit card fraud under any of the following circumstances, and 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 2, yuan but not more than 2, 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 5, yuan but not more than 5, 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 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, 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. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the act that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.