Legal analysis: in this case, it is impossible for the bank to be exempted from liability, only to solve the case. If you refuse to return your credit card, you will be sued by the bank and your credit will be affected.

Legal basis: Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks. Under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability, and the cardholder is still willing to repay, the issuing bank can reach a personalized installment repayment agreement with the cardholder through equal consultation, and the longest term of the personalized installment repayment agreement shall not exceed 5 years.