If the credit card is overdue and is returned to 1 yuan every month, the bank can sue the debtor of the credit card and demand him to repay the debt. If the credit card is not approved by the bank, if the repayment standard has not been met after the issuing bank has notified it, it can still report to the public security department according to malicious overdraft. We should communicate with the issuing bank and repay the loan according to the requirements negotiated by both parties after obtaining the consent of the issuing bank.

If you do this for a long time, there will be the following consequences:

1. The liquidated damages and high interest are calculated on a daily basis, with five ten thousandths of a day and compound interest on a monthly basis;

2. If the repayment is more than 3 months or the bank fails to repay in full after more than 2 reminders, the bank will freeze the card and list it as a prohibited customer;

3. In addition, the bank will sue you in court for punishment. Sadly, even if you are punished, you must pay back every penny.

Legal basis:

Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks. Under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.

The contents of personalized installment repayment agreement shall at least include:

(1) the balance, structure and currency of arrears;

(2) repayment period, method, currency, date and repayment amount in each installment;

(3) whether the annual fee, interest and other expenses are collected during the repayment period;

(4) the cardholder shall not apply for a credit card from any bank before all the relevant funds in the personalized installment repayment agreement are settled

(5) the rights and obligations of both parties and the liability for breach of contract;

(6) Other matters related to repayment.

if both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing service institution shall stop the collection of the cardholder, unless the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Recording materials shall be kept at least until the date of settlement of arrears.