What should I do if I owe 1 million on my credit card and it’s overdue for one year? First of all, everyone must understand that overdue payment for more than three months is considered serious overdue behavior, and banks will generally prosecute. And for the determination of malicious credit card overdraft, 1 million is a huge amount. Therefore, in a situation like this, you are likely to be prosecuted by the bank and arrested for credit card fraud. Secondly, if there is no prosecution, it is recommended to deal with it quickly without delaying it any longer. You can try to apply for negotiated installment repayment and discuss a new repayment plan with the bank. During this process, sufficient evidence needs to be provided to show that the overdue loan is not malicious and that there is indeed difficulty, and that it will be repaid on time according to the new repayment plan. Then there is still hope that the application will be successful. In addition, although banks basically have preliminary plans for negotiating repayment, not everyone can succeed, and some will still be rejected, so you need to be more patient during the negotiation process. The above is the answer to "What should I do if I owe 1 million on my credit card and it's overdue for one year?" Generally speaking, in this case, you will usually be sued and arrested or refuse to negotiate. However, if the bank still wants to collect the debt, it is recommended to contact the bank quickly to handle it, agree on a new repayment plan for implementation, and do not overdue it again. .