Hello, dear. Under normal circumstances, China Merchants Bank will be prosecuted if its credit card is overdue for more than three months. After being sued, credit card holders should first take the initiative to negotiate and communicate with the bank about repayment, so as to prevent the court from sealing up personal property and being included in the list of people who have lost their trust; Then raise funds as soon as possible to repay the debt of China Merchants Bank's credit card. You can try to sell some personal assets or borrow money from relatives and friends to pay off the credit card debt. In fact, users should operate according to their repayment ability when applying for and using credit cards. It will be great for personal influence if the credit card is submitted to the credit information system after the deadline. If you need a loan to buy a house later, it is likely that the mortgage approval will not pass.