Based on your description, your problem can be summarized as follows:

1. You hold a Bank of China credit card with an overdraft amount of more than 6,000 yuan, which has not been repaid for more than a year. .

2. The bank entrusted a lawyer to contact you to request repayment, and you immediately repaid 3,500 yuan.

3. You hope to delay the repayment, but the other party says that is not possible and threatens to sue you.

Details are as follows:

First of all, according to the relevant regulations of Bank of China credit cards, cardholders are obliged to repay the credit card overdraft amount on time. When repayments are overdue, banks usually take a series of collection measures, including entrusting lawyers to contact cardholders for collection. In your case, the bank appointed a lawyer to contact you to demand repayment not out of unreasonable demands.

Secondly, the amount of 3,500 yuan you repaid was a partial repayment of the overdraft amount, but it did not pay off the entire debt. In the event that you are unable to repay the full amount, the bank may decide that you are unable or unwilling to repay the debt and therefore deny your request.

Finally, we are unable to draw specific conclusions about the possible prosecution actions taken by the bank, as the specific treatment of the law may vary. But generally speaking, banks may take further legal action, such as filing a lawsuit, to recover overdue amounts. Therefore, it is recommended that you try to negotiate with the bank and try to resolve overdue debts to avoid unnecessary legal disputes and financial losses.

Extended information:

The legal consequences of overdue repayment of Bank of China credit cards vary from region to region. Under normal circumstances, banks have the right to take legal measures to recover overdue amounts and may report the cardholder's bad credit record to credit reporting agencies, which will have a negative impact on personal credit ratings. In addition, the bank also has the right to take legal measures to recover the arrears, such as filing a lawsuit and possibly asking the court to freeze your assets.

According to the regulations of the China Consumer Credit Card Association, cardholders who repay overdue may also be liable for liquidated damages, late payment fees, overdue interest, etc. These fees will further increase your repayment pressure.

Therefore, it is best for you to negotiate with the bank as soon as possible and formulate a reasonable repayment plan to avoid serious legal consequences and further financial losses. If you are unable to repay the entire balance at once, you can discuss the possibility of repaying it in installments with your bank. However, it is important to note that late repayments will have an adverse impact on your credit history and may have an impact on future loan applications.

Summary:

Late repayment by cardholders will have a negative impact on their credit records and financial status, so it is recommended that you negotiate with the bank as soon as possible to resolve the overdue debt. You should be aware that although you may wish to delay repayment, the bank has the right to take legal action to recover the amount owed in accordance with relevant regulations. In order to avoid further legal disputes and financial losses, we recommend that you actively communicate with the bank and develop a feasible repayment plan.

If you need further help or information, you can directly consult the credit card department of Bank of China or a professional financial legal advisor.

According to the supplementary information, the above is the guessed answer based on the relevant regulations of Bank of China’s credit cards. Specific conditions may vary based on region, personal credit history, and legal requirements. Therefore, it is recommended that you further consult with relevant departments or professionals to understand more accurate and specific legal consequences.