Legal analysis: if the credit card is overdue, if you receive a letter from a lawyer, the situation is still quite serious. If the lawyer's letter is verified to be true, it means that the bank is already preparing to sue. But as long as the user settles the arrears, the bank will no longer have the intention to sue. In fact, sending a lawyer's letter to overdue users is only to warn users and let them take the initiative to repay. Many times, I don't really want to sue users. And after receiving the lawyer's letter, the bank still does not repay the money, then the bank may really sue the user to the court. Before the dispute is brought to court or arbitration, the lawyer's letter can delay the limitation of action. Disputes in the guarantee business are very troublesome, and the recovery of loans involves many aspects, so it is very necessary to postpone the limitation of action in time. A lawyer's letter can clarify the facts and stop illegal infringement. Lawyer's letter has the function of clarifying facts and deterring illegal acts, which is beyond the reach of ordinary business letters and folk letters. In practice, it often happens that the parties are ready to sue but the evidence is insufficient, and once the lawsuit is filed hastily, it is often impossible to obtain relevant evidence from the other party. In this case, sometimes it can be solved by issuing a lawyer's letter. This way is like a confirmation letter from an accounting firm. In this way, the other party's evidence, attitude and views on the disputed facts are obtained, and the other party's defense is used as written evidence. A lawyer's power of attorney is entrusted by the client and reflects the will of the client. Before the dispute goes to court and arbitration, there is evidence to prove that a power of attorney has been issued, which can play the role of interrupting the limitation of action.

Legal basis: Article 62 of the General Principles of Loans states that if a lender issues a loan in violation of the relevant provisions on asset-liability ratio management, the People's Bank of China shall order it to make corrections in accordance with the provisions of Article 75 of the People's Republic of China (PRC) Commercial Bank Law, impose a fine, confiscate the illegal income, and punish the directly responsible person in charge and other directly responsible personnel in accordance with the provisions of Article 76. Article 63 Where a lender issues credit loans to related parties in violation of regulations or the conditions for issuing secured loans are better than those of other borrowers, it shall be punished in accordance with the provisions of Article 74 of the Law of People's Republic of China (PRC) Commercial Bank, and the persons who are directly responsible shall be punished in accordance with the provisions of Article 76.