Hello, \xd\ Attitude is the most important thing in this situation. \xd\ No matter how much money you owe, you have to pay back a little on your own initiative. \xd\ Banks generally don't sue. \xd\ But if you don't answer the phone at all, you will definitely sue. \xd\ Solution to overdue credit cards: \ xd. Before the arrival of the final repayment period, the cardholder should take the initiative to call the credit card center of the bank, state his \xd\ financial situation, declare that he is not maliciously in arrears, and apply for delayed repayment and interest concessions. \xd\2. In view of the cardholder's active performance and previous good credit record, the bank will often agree to postpone repayment, and negotiate with the cardholder a mutually acceptable repayment plan, delay period, interest discount, monthly repayment amount, etc. \xd\ If you contact the bank on your own initiative and the bank agrees to postpone the repayment, you won't get bad records. However, it should be noted that the repayment will be guaranteed as agreed in the future. \xd\3. If you neglect to repay the loan at ordinary times, you must repay it as soon as possible, preferably in full, after you find it overdue. Then call the bank's credit card center to declare that it is not malicious. If it has been recorded well in the past and the overdue time is short, it may not be recorded as a bad record if it is found that the repayment is good after the overdue. Don't be careless in the future, be sure to pay attention to the bank's bill notice and collection information to avoid overdue. \xd\4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If the card is used to terminate, the corresponding record will not be scrolled, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years and maintain a good credit during the period, so that the bad records can be removed from the credit information system by rolling records. \xd\ In today's credit society, don't underestimate the credit card stain, which will lead to a lot of banking business that you can't handle, and car loans, mortgage loans and commercial loans can't pass. Therefore, develop a good habit of using credit cards, understand the solutions to credit cards that are overdue, and be prepared!