When a credit card becomes overdue, the first response strategy is to actively repay the loan, including principal and overdue interest. Proactively communicate with the bank. If you cannot repay the debt in one go in the short term, you should seek to formulate a reasonable repayment plan and request the bank to withdraw the lawsuit. If none of the above methods are feasible, you should actively face legal proceedings, because the essence of an overdue credit card is the failure to repay the debt within the stipulated time. Overdue payments will not only accrue high interest rates, but the longer the time goes by, the more interest will accumulate, and the bank may eventually take legal measures to sue the overdue person. Therefore, no matter what the situation is, it is crucial to maintain communication with the bank and deal with overdue issues in a timely manner.