For unpaid credit card debts, the bank may handle it in the following ways:\x0d\　1. The bank will directly collect from you through phone calls, letters, etc. \x0d\　2. The bank entrusts a third party (such as a law firm) to collect payment from you through phone calls, letters, etc. \x0d\　3. Collect money from you through court proceedings. \x0d\　4. If a credit card debt exceeds 10,000 yuan and is not repaid after repeated collections by the bank, this constitutes a crime of credit card fraud. The bank can report the case to the public security organ, who will file a case to investigate the criminal liability of the debtor and hold the debtor accountable. Arrears can be collected at the same time. \x0d\ The Supreme People's Court and the Supreme People's Procuratorate's "Interpretations on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" \x0d\ Article 6 The cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and If the card is not returned for more than three months after being called upon twice by the issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. \x0d\ Any of the following circumstances shall be deemed as "illegal possession for the purpose" as stipulated in the second paragraph of Article 196 of the Criminal Law: \x0d\ (1) A large overdraft, knowing that one has no ability to repay, and unable to Returned; \x0d\ (2) Wanton squandering of overdraft funds that cannot be returned; \x0d\ (3) Escape after overdraft, change contact information, and evade bank collection; \x0d\ (4) Escape, transfer funds, conceal Property and evading repayment;\x0d\　(5) Using overdraft funds to carry out illegal and criminal activities;\x0d\　(6) Other behaviors of illegally possessing funds and refusing to return them. \x0d\　A malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be It shall be determined as a "huge amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 1 million yuan, it shall be deemed as an "especially huge amount" as stipulated in Article 196 of the Criminal Law.