Credit cards are overdue and unable to repay. There is no other solution except to negotiate with the issuing bank. For banks, even if they can't pay off in one lump sum, they can make repayment plans in installments. However, for cardholders who really can't repay, there is no good way. Basically, they will choose to sue the court and enforce the relevant assets under the name of the debtor. At this time, they will face a relatively complicated situation and even be investigated for criminal responsibility for credit card fraud. Of course, as long as we can actively seek solutions and maintain relatively close communication and contact with the bank, the suspicion of credit card fraud can be washed away. But usually, the bank has no energy to deal with the arrears that can't be recovered for a long time. As a party, it is possible for the bank to package the arrears to a special debt repayment company, and once it reaches this stage, it will bear relatively great psychological pressure, because it is difficult to predict the collection means of the debt repayment company.