If an epidemic credit card is overdue, you should pay off the full amount at the first time and take the initiative to contact the bank to explain "non-malicious arrears". If it is impossible to repay due to the epidemic, you can apply for deferred repayment. If the bank has not reported the overdue records to the central bank's credit information system, it is generally fine; If the overdue record has been uploaded, then the cardholder can do the following two things: ask the bank to issue a "non-malicious overdue" certificate; Continue to use the card to maintain good credit. Generally, it takes 2 years to cover the previous bad overdue records, and 5 years to completely eliminate the overdue records. Ways to pay off the credit card: 1. Installment payment. Applying for the maximum installment payment can not only relieve the repayment pressure of the current month, but also will not generate more interest. 2. Select the monthly minimum repayment function. The proportion of the minimum repayment amount is generally 1% of the total bill. As long as you guarantee to repay according to the minimum repayment amount every month, your personal reputation will not be affected, and there will be no late payment fee. 3. Apply for deferred repayment, go to the bank to apply for deferred repayment, and specify the repayment date, then you will have three days' deferred repayment time. In our real life, the overdue repayment of credit cards during the epidemic period does not belong to those who can postpone repayment according to the law, so you should repay all the money in time and get in touch with the bank in time, indicating that you are not malicious in not repaying, and you can apply for deferred repayment if you meet the conditions.

Legal basis: The Criminal Law of the People's Republic of China stipulates as follows: Article 196 Whoever commits credit card fraud under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and shall also be fined not less than 2, yuan but not more than 2, 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 shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the act that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.