Return it as soon as possible! People at China Merchants Bank usually call names. In your case, it's not far from the blacklist. Just tell the bank that there is no money now, and pay it back once a week in batches, but remember not to cancel the card, or it will be blacklisted in the future. If it is cancelled, it will take 7 years to eliminate the record. You don't need cards. Normal use every month. Use less. After 24 months, your record will not be easy to read on the credit report. It will take at least six months for the bank to sue. Don't be afraid. For a debt business with a target of 3,000 yuan, the police generally won't look for you, and the court prosecution is not so fast. You just need to make sure that you pay back every week, and the person who calls you will ignore it. If not, turn it off! Hehe, good luck!