When the credit card is overdue, I send a text message to the legal department. What should I do?

If the credit card is overdue, send a text message to the legal department, and the debtor will repay it in time. If he is temporarily unable to repay, he can negotiate with the issuing bank to repay in installments. If he fails to negotiate or refuses to repay, the issuing bank can file a lawsuit against his credit card debt and ask him to repay the debt. If the court still fails to repay after the judgment, it will be classified as the person who has lost his trust.

According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years. The contents of personalized installment repayment agreement shall at least include:

(a) the balance, structure and currency of the arrears;

(2) the repayment period, method, currency, date and repayment amount of each installment;

(three) whether to charge annual fees, interest and other fees during the repayment period;

(4) The cardholder shall not apply for a credit card from any bank before all the funds related to the personalized installment repayment agreement are settled;

(five) the rights and obligations of both parties and the liability for breach of contract;

(6) Other matters related to repayment.

If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing business service institution shall stop the collection of the cardholder, except that the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Records shall be kept at least until the date of settlement of arrears.

Extended data:

Article 84 of General Principles of Civil Law of People's Republic of China (PRC) and General Principles of Civil Law of People's Republic of China (PRC) is a specific relationship of rights and obligations between the parties according to the provisions of the contract or the law. Creditors are creditors and debtors are debtors. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or according to law.

Article 85 A contract is an agreement between the parties to establish, change or terminate a civil relationship. Contracts established according to law are protected by law.

Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks