Legal analysis: overdraft credit card cannot be repaid, and there are three solutions: 1, negotiation. The cardholder can contact the issuing bank by phone to discuss the repayment channel and specific repayment amount of overdraft; 2. The authorized agent ad litem shall sue the bank. If the bank files a lawsuit, the cardholder may entrust an agent ad litem to handle the litigation matters; 3. Being enforced by the people's court and blacklisted. If the cardholder is unable to repay, it will be enforced by the court.

Legal basis: Article 120 of the Civil Procedure Law of People's Republic of China (PRC) shall submit a copy of the complaint to the people's court according to the number of defendants. If it is really difficult to write a complaint, it can be made orally, which will be recorded by the people's court and the other party will be informed.