The phone number of the credit card legal department of China Merchants Bank may mean the threat of legal action, but whether it will be prosecuted really depends on your situation. If you are overdue, the following points need to be considered:

First of all, keep calm, ask the other party to provide your work number and tell you that you will record it, making it clear that you have not committed fraud, and the credit card was applied through formal channels. Express your willingness to repay, but the repayment plan should be based on the actual financial situation. Even if you are sued, the court will consider the actual situation.

if you encounter excessive collection, resolutely safeguard your rights and interests, and tell them that your personal debt is independent. Any behavior that interferes with your life will be recorded by you and you may complain through the CBRC or the court. Even if you only pay 1 yuan back every month, it shows that you are not malicious overdraft. As long as you can prove that you are willing to repay, but your ability is limited, your situation does not constitute malicious overdraft.

the prosecution process involves the submission of indictment, evidence and related materials. Before prosecution, make sure to prepare all necessary documents, such as proof of identity, copies of evidence, etc. Once a lawsuit is filed, it is necessary to pay the litigation fees according to the requirements of the court and abide by the court hearing arrangements. If you have financial difficulties, you can apply for fee reduction, deferment or exemption, but you must submit it within the prescribed time limit.

In short, positive communication, proper handling and understanding of legal procedures in the face of phone calls from the legal department will help you better deal with possible legal disputes. But the final judgment will depend on your specific behavior and the advancement of legal procedures.