If the credit card owes more than 200,000 yuan, it will not be sued by creditors, and its assets will be enforced after the court decides. Moreover, there will be problems with the debtor's credit information, and the court will limit his consumption. According to Article 89 of the General Principles of Civil Law of People's Republic of China (PRC), the following methods can be adopted to guarantee the performance of debts: 1. The guarantor assures the creditor that the debtor will perform the debt. If the debtor fails to perform the debt, the guarantor shall perform or bear joint liability in accordance with the agreement; The guarantor has the right to recover from the debtor after performing the debt. 2. The debtor or a third party may provide certain property as collateral. When the debtor fails to perform the debt, the creditor has the right to discount or sell the collateral according to law. 3. One party can pay the deposit to the other party within the scope stipulated by law. After the debtor performs the debt, the deposit shall be used as the price or recovered. If the party paying the deposit fails to perform the debt, it has no right to demand the return of the deposit; If the party accepting the deposit fails to perform the debt, it shall return the deposit twice. 4. If one party occupies the other party's property according to the contract, and the other party fails to pay the payable amount according to the contract within the agreed time limit, the possessor has the right to retain the property, and the retained property can be discounted according to law or the proceeds from the sale of the property can be returned first. Article 108 A debt shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court. Extended information: Article 3 of the Provisions on Restricting High Consumption is a natural person. After adopting the consumption restriction measures, the person subjected to execution shall not engage in the following high consumption and consumption behaviors that are not necessary for life and work: (1) When taking the means of transportation, choose the plane, train, ship or above second class; (two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level; (three) the purchase of real estate or new construction, expansion, high-grade decoration of housing; (four) leasing high-grade office buildings, hotels, apartments and other places for office work; (five) the purchase of vehicles that are not necessary for business; (6) tourism and vacation; (seven) children attending private schools with high fees; (8) Paying high premiums to purchase insurance wealth management products; (9) Other consumption behaviors that are not necessary for life and work, such as taking all seats on the G-prefix EMU train and first-class seats on other EMU trains. If the person subjected to execution is a unit, the person subjected to execution, its legal representative, principal responsible person, person directly responsible for debt performance and actual controller shall not commit the acts specified in the preceding paragraph after taking measures to restrict consumption. Anyone who commits the acts mentioned in the preceding paragraph and uses personal property for private consumption may apply to the enforcement court. If the examination by the enforcement court is true, it shall be allowed.