Specifically, the bank may take the following measures:
1. Prosecute the debtor: The bank may bring a lawsuit to the court to demand the debtor to fulfill the repayment obligation. If the court decides the debtor to repay, and the debtor still fails to perform within the time limit determined by the judgment, he may face enforcement measures, including freezing assets and auctioning property.
2. legal credit record: the bank can include the debtor in the credit system, which will affect the debtor's personal credit record. This will adversely affect the borrower's lending ability and credit rating, and it may be difficult to obtain other loans or credit card lines in a certain period of time in the future.
3. Various means: Banks can take other means, such as telephone collection, lawyer's letter to demand payment for arrears, and may even disclose the information of debtors to the public, thus exposing them to public pressure.
to sum up, if the amount owed to the credit card is unable to be repaid, and only a little is paid every month, the bank may sue the debtor and recover the arrears. In addition, banks can exert some pressure on debtors through the influence on credit records and other collection methods. Therefore, it is suggested to communicate with the bank in time to find a solution when encountering repayment difficulties, so as to avoid the situation that the arrears cannot be repaid as much as possible.
supplementary information:
according to the laws of China, debtors should do their best to pay off their debts. If the debtor is unable to repay, relevant legal channels may be initiated to protect the legitimate rights and interests of creditors. Therefore, when applying for credit cards, loans, etc., we should carefully consider our repayment ability to avoid excessive debts that cannot be repaid. At the same time, understanding and abiding by relevant laws and regulations, actively communicating with banks and seeking a reasonable repayment plan are effective ways to avoid legal disputes.