If you owe 7,000 yuan to your credit card, you can negotiate with the bank for installment or deferred repayment; if the negotiation fails, you need to repay as soon as possible, otherwise the cardholder will need to pay interest on overdue repayment, and the bank Collection can be carried out through legal means such as litigation. Legal basis: Article 676 of the Civil Code: If the borrower fails to repay the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations. Article 678 The borrower may apply to the lender for an extension before the expiration of the repayment period; if the lender agrees, the extension can be made. Article 97 of the "Civil Procedure Law of the People's Republic of China" reaches an agreement through mediation, and the People's Court shall prepare a mediation letter. Article 120 A prosecution shall be submitted to the People's Court, and copies shall be filed according to the number of defendants. Article 236 The parties concerned must fulfill any legally effective civil judgment or ruling. If one party refuses to perform, the other party may apply to the People's Court for enforcement, or the judge may transfer the matter to an execution officer for enforcement. Article 244 If the person subject to execution fails to perform the obligations specified in the legal document in accordance with the execution notice, the people's court has the power to seal up, detain, freeze, auction, or sell off the property of the person subject to execution that is required to perform his obligations. However, the daily necessities of the person subject to execution and his dependent family members shall be preserved.

Legal Basis

Article 97 of the "People's Liberation Army and Civil Code of the People's Republic of China" Obtains the Legal Person Qualification of an Agency with Independent Funds and a Statutory Institution with Administrative Functions from the Establishment From the date of establishment, it has the status of an agency legal person and can engage in civil activities necessary to perform its functions.

Article 120 of the "People's Republic of China and Civil Code": Assumption of liability for creditor's rights If the civil rights and interests are infringed upon, the infringed party has the right to request the infringer to bear tort liability.

Article 236 of the "People's Republic of China and the Civil Code" If the right to request the elimination of obstruction interferes with property rights or may interfere with property rights, the right holder may request that the obstruction be eliminated or the danger eliminated.

Article 244 of the "People's Republic of China and Civil Code": Protection of cultivated land The state implements special protection for cultivated land, strictly restricts the conversion of agricultural land into construction land, and controls the total amount of construction land. Collectively owned land shall not be expropriated in violation of the authority and procedures prescribed by law.

Article 676 of the "People's Republic of China and Civil Code" The borrower's liability for late repayment of the loan. If the borrower fails to repay the loan within the agreed time limit, the borrower shall pay in accordance with the agreement or relevant national regulations. Late interest.

Article 678 of the "People's Republic of China and Civil Code" Loan extension The borrower may apply to the lender for extension before the expiration of the repayment period; if the lender agrees, the extension can be extended.