if the credit card overdraft fails to be paid at maturity, you can negotiate with the issuing bank to repay by installment or deferred repayment; If the other party disagrees, the parties need to raise funds for repayment as soon as possible; If the overdue period is serious, the issuing bank may bring a lawsuit to the court, requesting the court to order the parties to repay the principal and interest within a reasonable period of time. Legal basis: Article 676 of the Civil Code. If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations. Article 678 The borrower may apply to the lender for extension before the repayment period expires. If the lender agrees, it can be extended. Article 97 of the Civil Procedure Law of the People's Republic of China * * * If an agreement is reached through mediation, the people's court shall prepare a conciliation statement. Article 12 A prosecution shall submit a complaint to the people's court, and submit copies according to the number of defendants. Article 236 A legally effective civil judgment or written order must be fulfilled by the parties. If one party refuses to perform, the other party may apply to the people's court for execution, or the judge may transfer it to the executor for execution. Article 244 If the person subjected to execution fails to perform the obligations specified in the legal document according to the notice of execution, the people's court has the right to seal up, detain, freeze, auction or sell off the property that the person subjected to execution should perform. However, the necessities of life of the person subjected to execution and his dependents should be retained.