1. Pay off the debt as soon as possible.

2. Negotiate the repayment details with the bank.

3. Taking the legal route means going to court.

First of all, the best way is to pay it off in one lump sum, even if it is borrowed from parents, brothers, relatives and friends. This is the best way. Of course, I won't give you any unreliable advice advocating usury or private high-interest loans here.

Secondly, it is to negotiate repayment with the bank, such as providing interest higher than the normal repayment, or mortgage the property and other financial proof. If the bank is unwilling to negotiate, it can only take legal channels.

Thirdly, regardless of how dark the bank is, there are so many interest and late fees. Now people have rules and regulations, and you really owe money. People follow the rules, too. You can't win a lawsuit with the bank. Maybe you'll go to jail!

1. According to Article 196 of the Criminal Law, malicious overdraft constitutes the crime of credit card fraud, which is punishable by fixed-term imprisonment of not more than five years, criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan.

2. What is malicious overdraft? According to the relevant judicial interpretation, malicious overdraft refers to overdraft of more than 6,543,800 yuan. If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being urged twice by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

According to relevant regulations, those who maliciously overdraw 65,438+10,000 to 65,438+10,000 yuan shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall be fined not less than 20,000 yuan but not more than 200,000 yuan; Malicious overdraft of 6,543,800 yuan to 6,543,800 yuan can be punished with fixed-term imprisonment of more than 5 years and less than 654,38+00 years, and a fine of more than 50,000 yuan and less than 500,000 yuan.

3. If the overdraft amount is less than 10000, although it does not meet the criminal filing standard, the risk still exists, but it will enter the bank blacklist and be sued by the bank for repayment. Banks will not let the money you spend turn into bad debts, they will sue you for repayment, and with the passage of time, the arrears will generate late fees, interest and other expenses!

In addition, malicious overdraft will seriously affect the credit of cardholders. Once it is included in the blacklist of personal reputation of banks, all banking business, especially investment loans, will be negatively affected and should not be underestimated.