If the credit card has not been paid back for ten years, you can go to the bank where the credit card is located to negotiate and pay off the arrears. The overdue record of the credit card amount that has not been paid for a long time has been reported to the credit bureau. You can negotiate with the bank for the late payment fee for the arrears and pay them back as soon as possible. The bad record of the credit information system will disappear after 5 years of arrears.

The processing method of overdue overdraft of 4,000 yuan for credit card is as follows:

1. Express repayment willingness to the bank.

When a credit card is overdue, you must never ignore it. First of all, you should get in touch with the bank to show your current economic situation and express your willingness to repay. I hope the bank can coordinate and customize a reasonable repayment plan.

2. Make sure the call is smooth.

Bank staff will continue to contact you after the deadline, but don't deliberately avoid these calls. After connecting the phone, you should make clear your willingness to repay and the current economic pressure in time and beg for a period of time.

3. Borrow money from relatives and friends in time.

If you negotiate with the bank, there is still repayment pressure at maturity, you must borrow money from relatives and friends to pay off your debts in time, otherwise you will be sued by the bank.

4. Pay the minimum repayment amount first.

legal ground

Article 196 of the Criminal Law 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 20,000 yuan but not more than 200,000 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 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(1) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate.

(2) using an invalid credit card.

(3) fraudulently using another person's credit card.

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and 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.