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问题	欠银行4万逾期还不了怎么办
释义	法律分析：主动到发卡行当地卡部说明实际情况，是态度很重要。?是信用卡欠款出现以下情况可向法院提起诉讼：a、经其他催收方式催收无效，透支本息超过1000元的；b、掌握欠款客户存款及其他财产信息，需经法院冻结和判决的；c、因欠款不还而遭同业起诉，需共同参与清收的。逾期记录会自动进入人民银行的征信系统。法律依据：《中华人民共和国民法典》第六百七十六条借款人未按照约定的期限返还借款的，应当按照约定或者国家有关规定支付逾期利息。
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