One day I received a lot of short messages about my arrears.

Except that the message of 12368 needs to be verified, the others are completely ignored.

It is the power of the court to include the untrustworthy person, enforce it and freeze the account balance. Is the result of your refusal to perform the court decision after being sued by the bank.

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.