First, check now to see if your repayment will be offset first by interest or principal after you are overdue for more than 90 days.

If the interest is offset first, there is no need for him to call the police. You can report it first.

Article 45 of the Measures for the Supervision and Management of Credit Card Business of Commercial Banks stipulates that if the credit card is overdue for more than 90 days, the repayment will be offset against the principal first. If she offsets the interest, it is illegal. You file a civil lawsuit against him and demand repayment.

Second, contact the bank’s credit card center and ask him to extend the repayment period. As long as there is communication, the police will not be called.

Usually when you call the police, the debt collection agency scares you, and you end up not daring to answer the phone, so the bank calls the police after they charge back the bill. Contact the bank directly. As long as the bank has hope of asking for money, he will not call the police.

At the same time, if she is in a hurry, you can file a civil lawsuit against her. In this way, there will be no repayment and no interest during the lawsuit.