Call the bank to verify the authenticity. For those who are maliciously overdue, the bank will upload the overdue records to the personal credit information system, which has a great impact on their credit life and is also a devastating blow to personal mortgages and car loans. There are many repayment methods. Users are advised to do what they can and use credit cards carefully. For those who maliciously default on their credit cards, the bank has the right to bring a lawsuit to the court, and the court will also give corresponding punishment to individuals according to the severity of the arrears, and those who are serious will bear criminal punishment. I hope that cardholders will cherish their credit and adhere to good repayment habits.