Credit card collection companies replace banks to collect credit card arrears and repay them.

Steps for not repaying the bank:

Dunning;

Prosecution;

At the same time, provide corresponding credit records to the People's Bank of China.

Litigation related:

The effective statute of limitations is two years;

After winning the case, the legal fees shall be borne by the losing party;

If the losing party refuses to perform the repayment obligation, the winning party may apply to the court for enforcement;

The court will investigate and deal with the property such as real estate, vehicles, securities and deposits under the debtor's name according to law.

If you have no property under your name, you may be detained by the judiciary, or restrict high consumption and entry and exit;

Those who have the ability to repay and refuse to repay shall be subject to the relevant provisions of Article 313th of the Criminal Law.