Repayment promises can avoid escalation. We know that when the credit card is about to expire or overdue for one month, the issuing bank usually takes the form of telephone collection to remind the debtor to collect it; At least 2 overdue collections within 3 months; If it is more than 6 months, legal procedures will generally be taken. Therefore, the bank's request to sign a repayment commitment letter is an expression of the intention of the issuing bank to negotiate with the cardholder. If, through negotiation, the issuing bank accepts the cardholder's repayment plan, and in the following time, the cardholder repays as promised, then the issuing bank will not go through legal procedures. Therefore, it can be seen that signing the repayment commitment letter is the last chance for the issuer to negotiate with the cardholder in a friendly way, which deserves attention. But at the same time, the repayment commitment letter is also an important evidence of written collection, and it is essential to give evidence in court.