1. Bank handling process: ① The card-issuing bank will collect credit card loans according to law. According to the mortgage or pledge contract of the loan contract and the guarantee contract, the issuing bank will sue the court, and the court will take measures such as property preservation, including freezing the bank deposits of the credit users and sealing up the pledged property. 2. After the judgment is made, the bank will deduct the deposit by force according to law and auction the mortgaged property and other property to pay off the bank's loan losses. Specifically, it includes: default of principal, default of interest, overdue interest, default interest, all litigation costs arising therefrom, and related expenses incurred when disposing of mortgaged property. 3. 3 Credit will be affected. If the borrower is a company, your company will be recorded in the national bank credit information system, and credit card overdrafts in the name of individuals will also be recorded as overdue loans in the national personal credit information system. 4.④ If the bank loan is not owed maliciously and the interest on normal credit card overdraft can be paid, it is suggested to apply to the credit card center for suspension of repayment first, explaining the repayment intention, the fact that the credit card is not in arrears for the time being and the plan for repayment in the future. Under normal circumstances, the bank will give a grace period.