Hello, my bank of communications credit card is overdue for 4 months and has not been returned 16800. Yesterday, the bank's judicial group said it would report the case and received a text message.

1. First of all, it's not that serious. It's just a formal notice to urge you to pay back the money.

2. Now that part of it has been paid off, you can call customer service to explain the situation, postpone or repay by installments;

3. Then pay back a part every month. If the bank doesn't allow it, it will definitely give you a deadline to pay off all the rest. At this time, you have to find a way to borrow money from relatives and friends to pay it back. After all, there is not much money left.