Legal analysis: If you are unable to repay your overdraft credit card, there are three solutions: 1. Negotiation. Cardholders can take the initiative to contact the card-issuing bank by phone to negotiate the repayment channel for the overdraft amount and the specific repayment amount; 2. Authorize a litigation agent to respond to the bank's lawsuit. If the bank sues, the cardholder can authorize a litigation agent to handle the litigation matters; 3. It is enforced by the people's court and blacklisted. If the cardholder is unable to repay, he will be enforced by the court.

Legal basis: Article 120 of the "Civil Procedure Law of the People's Republic of China" To initiate a prosecution, a complaint shall be submitted to the People's Court, and copies shall be submitted according to the number of defendants. If it is really difficult to write a complaint, you can file a complaint orally, and the people's court will record it in the transcript and notify the other party.

According to the provisions of Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": Under special circumstances, it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay. Yes, the card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum term of a personalized installment agreement shall not exceed 5 years. Therefore, under normal circumstances, banks will handle it according to the actual situation.