Legal analysis: After a credit card default, the user must pay off the outstanding balance in a timely manner and call the bank customer service hotline to explain the situation. The bank staff will give the user relevant suggestions. If the overdue record has been uploaded to the central bank's credit reporting system, the user needs to continue to use the card and repay on time within two years after paying off the debt, and maintain a good credit record. After 5 years, the previous bad credit record will be eliminated. will be eliminated.

Legal basis: Article 412 of the "People's Republic of China and Civil Code"

If the debtor fails to perform its due debts or the circumstances agreed by the parties to realize the mortgage rights occur, If the mortgaged property is seized by the people's court in accordance with the law, the mortgagee shall have the right to collect the natural interest or statutory interest of the mortgaged property from the date of seizure, unless the mortgagee fails to notify the person obligated to pay off the statutory interest.