First, make a repayment plan yourself, such as how much you can balance each month and how much you can repay. Once you make a plan, you must strictly follow the plan and not default again. For example, if it is 4,700 yuan, banks will accept installments within one year (the shorter the better, not only is the bank more likely to agree, but it also pays less interest).

Second, inform the collection staff that you will repay the loan on time and inform you of your repayment plan.

Third, you must not breach the contract again. This involves your integrity, because if the collection staff sees another breach of contract, they will conclude that you are delaying and not really repaying. Every period must be on time.

The money owed to the bank must be exchanged. A quick move today will cause endless troubles in the future.

The bank's procedure is to collect the debt and collect it. If the debt collector determines that the debt is malicious, the case will be reported to the Public Security Bureau. The crime involved is credit card fraud.

If the cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and fails to return the card for more than 3 months after being called upon twice by the issuing bank, it shall be deemed to be a violation of Article 190 of the Criminal Law. "Malicious overdraft" as stipulated in Article 6

Whoever uses a credit card to overdraft maliciously commits this crime. Anyone who commits this crime shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. ; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years and not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; Or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property.

Once you go to jail, you will have a record of being a criminal for the rest of your life. You will have to find a job, get married, have children, and be entered into the ID card system. If you are found to have been in jail, you can imagine the consequences.

The current overdue payment has already affected your credit record and will have adverse effects on your future banking business/business/loan/house purchase. Please settle the matter as soon as possible without complicating matters.