My credit card still owes 4500 yuan, which is overdue 1 year. During the period, I have been paying back one after another, and now the bank is urging me to pay back.

Under normal circumstances, as long as you have been paying back the money one after another every month, the bank will not push it too hard, which is estimated to be caused by the intermittent period.

I owe 4500 yuan, and I have been paying it back. I should not be investigated for legal responsibility. I suggest you contact the issuing bank, negotiate and sign a repayment commitment letter to determine the monthly repayment amount, so that the bank will not find trouble.

As for investment guarantee companies, don't touch them easily. Nothing for nothing.