The credit card did not say that the head office filed it, and there was no so-called filing. And a credit card. In the case of inability to repay, your 6,543,800+million line can be paid off in 60 months and 5 years at the longest, and you can't collect your interest and liquidated damages. For example, if your credit card is 6,543,800+yuan, you have to start negotiations with the bank, or you have reached an agreement with the bank to repay it for 50 months, then you only need to pay back 2,000 yuan every month, and you don't have to pay back the extra. If China Merchants Credit Card fails to negotiate within the time limit, you only need to provide work certificate and credit report. If the bank gives you a hard time, you can complain.