Hello, \x0d\ Attitude is the most important thing in this situation. \x0d\ No matter how much money you owe, you should take the initiative to pay it back. \x0d\ Banks generally don't sue. But if you don't answer the phone at all, you will definitely sue. \x0d\ Solution to overdue credit card: \ x0d. Before the deadline for repayment comes, the cardholder should take the initiative to call the credit card center of the Bank to state his \x0d\ financial status, declare that he is not in bad faith, and apply for deferred repayment and interest concessions. \x0d\2。 In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment, and negotiate with the cardholder the repayment plan, extension period, interest discount and monthly repayment amount acceptable to both parties. \x0d\ Take the initiative to contact the bank, and the bank agrees to postpone the repayment, so there will be no bad record. However, it should be noted that the repayment will be guaranteed in the future. \x0d\3。 If you usually neglect to repay, you must repay as soon as possible after you find it overdue, preferably in full. Then call the bank's credit card center to declare that there is no malice. If the past record is good and the overdue time is short, if the repayment is found to be good after the overdue, it may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue. \x0d\4。 Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records. \x0d\ In today's credit society, don't underestimate the credit card stain, which will lead to a lot of banking business that you can't handle, such as car loans, mortgages and commercial loans. Therefore, develop a good habit of using credit cards, understand the solution of overdue credit cards, and be prepared!