The methods for handling credit card debts of detained persons are as follows:

1. If the detained person cannot pay back his credit card, he can actively negotiate with the other party to request installment payment;

2. If you are detained or imprisoned for a crime and are unable to repay the credit card, you can entrust others to handle it;

3. The debtor cannot be exempted from credit card responsibilities because his personal freedom is restricted because he is suspected of a crime. The bank has You have the right to sue;

4. It is recommended that the parties actively communicate with the bank or contact family and friends to handle it on their behalf, otherwise it may constitute credit card fraud;

5. Overdue credit card repayments will be pursued by the bank. , the court will put the person on the list of dishonest persons. After he is released from prison or released from custody, if the bank requires enforcement, the court will freeze the person's property.

After reviewing the detained criminal suspects, they will be reported to the person in charge of the public security organ at or above the county level for approval according to the case situation, and the following handling will be carried out:

1. If arrest is required, they will be During the period of detention, the arrest procedure shall be handled in accordance with the law;

2. If criminal responsibility should be investigated but arrest is not required, the person shall be directly transferred to the People's Procuratorate for prosecution after going through the procedures of release on bail pending trial or residential surveillance in accordance with the law;

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3. If the facts of the crime cannot be ascertained within the period of detention, the investigation will continue after the procedures for release on bail pending trial or residential surveillance are completed in accordance with the law;

4. If the case is withdrawn, the detainee shall be released and issued a Give proof of release.

Legal basis:

Article 70 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Under special circumstances, it is confirmed that the amount owed by a credit card exceeds the amount of the credit card holder. If the cardholder's ability to repay the card is insufficient and the cardholder is still willing to repay, 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.

The contents of the personalized installment repayment agreement should at least include:

(1) Arrears balance, structure, currency;

(2) Repayment Period, method, currency, date and repayment amount of each period;

(3) Whether annual fees, interest and other fees will be charged during the repayment period;

(4) Holding Cardholders shall not apply for a credit card commitment from any bank before all amounts related to the personalized installment agreement have been settled;

(5) Rights, obligations and liability for breach of contract by both parties;

If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing business service agency shall stop collecting payments from the cardholder, unless the cardholder fails to fulfill the installment repayment agreement. If an oral repayment agreement is reached, the card-issuing bank must retain the recording materials. The recording data will be retained at least until the date of settlement of the debt.