What should I do if my credit card is overdue and the bank sends a text message to sue?

After banks can't recover their debts through collection, they usually resort to prosecution, so this is the normal way for banks to protect their rights. Don't be afraid when you hear that you are being sued. Some people even find some so-called "relationships" to shovel things, but often the final result is cheated.

Under normal circumstances, credit card arrears are only civil disputes and do not involve criminal punishment, so even if the bank wins the case, the court will only ask you to pay off the arrears and late fees within a certain period of time. What should I do if my credit card is overdue and the bank sends a prosecution message?

1, actively responding to the lawsuit

If we are sued by the bank, we just need to actively respond to the lawsuit and actively cooperate with the court. Don't take it seriously and don't go to court, because even if we don't go to court, the court can make a judgment by default.

Step 2 Pay off the debt

If you are able to pay your debts, there is nothing to say. Pay back the money and it's over. Otherwise, after the court decision takes effect, the bank can apply for compulsory execution, freeze your bank card and other property, and can convert the property into execution money by auction or sale and repay it to the bank.

If there is no money to repay the debt, then in the implementation stage, we need to take the initiative to submit our own property declaration to prove that we really have no ability to fulfill the judgment.