The principal of Everbright Credit Card is 66,000 yuan, which is overdue for 6 months. Then you are on the credit list. I suggest you go to the business hall of China Everbright Bank to explain your situation and see what can be done to make up for it. Generally, if it takes six months, the bank will issue you a court summons, and it is very likely that you will bear criminal responsibility.

Under normal circumstances, within 25-30 days after the issuing bank sends a lawyer's letter to the cardholder, if the cardholder fails to repay or negotiate with the bank, the cardholder will receive a summons from the bank, and will bear the corresponding criminal responsibility if the amount owed is more than 50,000 yuan.

Therefore, in order to avoid this situation, cardholders should actively communicate with banks at this stage, express their willingness to repay, and negotiate to stop paying interest. After the negotiation is successful, the penalty interest stops, the collection stops, the bank is exempted from prosecution, and the repayment period is extended. Some banks will also reduce some of the liquidated damages that have already been incurred.