If you can't pay it once, you can pay part of it every month according to your financial ability. If the negotiation is unsuccessful, you can also take the initiative to pay back a little every month. As long as it is not malicious non-repayment or fraud, you can leave room for follow-up.

If the total amount of arrears on the monthly statement is not paid off before the due date, interest will be charged at the rate of 24‰ per month, and the interest will be calculated from the date of overdraft to the date when all the arrears are paid off (subject to the bank bookkeeping date).

Article 196 of the Criminal Law stipulates that if the amount of malicious overdraft is more than 6,543,800 yuan but less than 6,543,800 yuan, it shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law.

Extended data:

Overdue repayment exceeds the final repayment period stipulated by the bank, and the consumption funds are not deposited in the designated account in full and on time.

Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.

It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account!

Baidu encyclopedia-interest on arrears