Shengheng Law Firm urges payment.

Legal analysis: the law firm calls to urge the credit card to pay back the money, and needs to repay the arrears as soon as possible, otherwise the bank will file a lawsuit. According to the loan contract and guarantee contract (mortgage or pledge contract), the issuing bank will sue the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and the loan guarantor and sealing up the pledged property. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.

Legal basis: 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 amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing 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: (1) balance of arrears, structure and currency; (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 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.