1. First negotiate with the other party to resolve the overdue credit card issue, but the other party refuses. If the other party does take action to collect the debt, how should you respond?

2. The following measures can be taken:

a. Understand in-depth your own rights and interests: Understand relevant legal provisions and consumer rights protection laws to ensure that legitimate rights and interests are not infringed.

b. Maintain communication and seek compromise: Try to keep in touch with the other party and propose a repayment plan or request renegotiation in order to reach a solution acceptable to both parties.

c. Seek professional help: Consult a professional such as a credit agency, consumer advocacy group, or legal counselor for advice and help on debt resolution.

d. Raise funds as much as possible to repay: Actively look for additional sources of funds and strive to repay the remaining debt in one lump sum within a reasonable time.

3. Summary:

When facing an overdue credit card issue, you must first negotiate with the other party to resolve it, but if the other party refuses, you need to take appropriate measures to deal with it. Maintaining communication, understanding your own rights, seeking professional help, and actively raising funds to repay are all effective ways to cope.

4.

Extended information:

a. If the overdue credit card problem cannot be solved, the other party may take legal procedures to recover the debt, such as suing or applying for execution. In this case, it is recommended to seek help from a legal advisor.

b. The People's Bank of China promulgated the "Personal Credit Information Industry Management Measures" to regulate the collection, use and protection of personal credit information. Individuals can check their credit reports to ensure that their credit information is accurate.

c. If the other party adopts unreasonable or illegal means to recover debts, the victim can complain to the relevant departments and safeguard their legitimate rights and interests.