Call to inform the repayment. If you still don't pay it back, the bank may sue you, which will damage your credit. If it is overdue, you'd better return it as soon as possible. You can contact the bank for negotiation.

If it is overdue for a long time, the bank will send a text message and call the cardholder to repay. If the circumstances are serious, the cardholder will be prosecuted and enforced. If you still don't pay it back, it will eventually be blacked out by the credit information system, and it will also limit large-scale consumption, which is really not worth the candle. If the credit card is overdue, you need to repay it first. If not, you can contact the bank customer service and apply for negotiation.