after the overdue credit card is sued, the borrower needs to go to court to respond, and if he fails to respond, he will receive a court summons. Once the borrower loses the case, the court will force the borrower to repay. If the borrower refuses to repay, the assets under the borrower's name will be frozen by the court for auction and the proceeds will be given priority to repay the bank credit card arrears. At the same time, because the borrower refuses to repay the loan, it will also be included in the list of the country's dishonesty, which will also affect daily travel, such as not being able to take the plane, high-speed rail, and engage in high-consumption activities.