Credit cards are blacklisted after they are overdue, and they cannot be repaid in installments, but you can negotiate with the bank to see if you agree.

Credit card malicious overdraft: refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than 3 months after repeated collection by the issuing bank.

Consequences of malicious overdraft of credit card:

1, resulting in bad credit records;

2. Generate late fees and interest;

3. The bank will sue;

4. No credit business shall be conducted in this bank within 5 years from the date of paying off debts.