In order to pay back the credit card, take out all the ways to make money and return it to the bank as soon as possible.
3. Not only will there be a late payment fee of 5% for the lowest unpaid part, but there will also be a penalty interest on the full bill (the daily interest will be 0.5 ‰, and the interest will be collected from the day of consumption until the principal and interest are paid off), and there will also be a bad credit record in the Credit Information Center of the People's Bank of China, which will seriously affect the application for credit cards and bank loans within five years.
If the payment is overdue for more than three months or the bank makes more than two reminders, the bank will freeze your card, list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft.