First, go to the bank counter to check the actual amount owed on your credit card and confirm whether the bank's mandatory deduction amount matches the actual amount owed. If the credit card is not in arrears and a debit card is forced to be debited, you need to report an exception to the bank branch where the savings card account was opened and ask the bank for a refund; at the same time, you should file a complaint with the credit card management department of the local branch. Under normal circumstances, the next Day return. If the credit card debt amount is less than the compulsory deduction amount, the processing method is the same as the second method; if you want to repay the debt in installments, you can apply directly to the credit card management department of the local branch and handle it according to the installment negotiation method. Debited deposits will be automatically returned to the credit card. However, what needs to be remembered is that banks generally force deductions when the credit card debt is more than three months old.

When there is a balance in the credit card that is overdue for a long time, the bank will take certain measures to make up for the debt. If the debtor has a savings card account in the bank, the bank will exercise the right of offset and use the balance in the debtor's savings card account to offset the debt; if there is no debt and the suspected amount of the debtor is relatively large, The bank will sue the bank and the court will forcefully deduct the property in the account in the name of the debtor to offset the debt. A credit card is a tool issued by a bank to use a loan limit. If the user fails to repay the loan on time after using the limit, it will become overdue; and the overdue record will be retained on the personal credit report for five years. During the overdue period, the debtor will not be able to obtain a loan and will continue to be collected by the bank; if the amount owed is large, the bank may also sue.

Legal basis:

"Criminal Law of the People's Republic of China"

Article 196: Under any of the following circumstances, if credit card fraud is carried out, the amount shall be determined If the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 20,000 yuan but not more than 200,000 yuan. A fine of not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence is to be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a counterfeit credit card;

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

( 4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.