Bring a lawsuit to a Hong Kong court. According to the Civil Law of People's Republic of China (PRC), if the credit card holder fails to repay the minimum repayment amount for more than three months in a row, the bank has the right to bring a lawsuit to the court. The borrower shall repay the loan within the agreed time limit, but there is no agreement or unclear agreement on the loan period. According to Article 5 10 of the Civil Law of People's Republic of China (PRC), the borrower shall return the loan at any time, and the lender may urge the borrower to return it within a reasonable period.