What is the text message when the credit card is sued?

The SMS notification is as follows: "Your credit card with the suffix xxxx has been stopped or sued by our credit card center because of xxxx."

Under what circumstances is it particularly easy for cardholders to be sued by banks when they are overdue?

The first type: local banks.

Compared with national banks, local banks are easier to sue cardholders, because compared with national banks, local banks are relatively small in scale, with relatively few customers, and pay more attention to overdue customers.

At the same time, because it is a local bank, the customers are likely to be in the same area, and the bank will know more about the cardholder's specific situation.

After the cardholder is overdue, it is easier to handle the collection and prosecution.

The second type: people who have lost contact.

Many people find that they can't repay their credit cards after they are overdue, and they are tired of the bank's collection behavior, so they will choose to change their phone numbers and addresses and directly enter the state of losing contact.

For banks, the bank's zero tolerance for this loss is absolutely low. After discovering that the cardholder is ready to escape the debt by losing contact, the bank will choose to sue the cardholder to recover the debt.

The third type: the overdue amount is large.

Generally, the overdue amount is large, and if it is not repaid for more than three months, the probability of being sued is very high. For banks, although the prosecution needs a certain fee, it is still more cost-effective if a large sum can be recovered.

At the same time, for banks, because the prosecution process is relatively perfect, it is also a batch prosecution, which greatly reduces the prosecution cost of banks.

The fourth type: individuals with assets under their names.

Whether it is personal assets or public assets, the chances of being sued by cardholders will increase after the deadline. After the court decides that the cardholder will repay the loan, if the cardholder still refuses to implement it, the court will seal up the cardholder's assets.

Fifth: Malicious overdue.

Malicious overdue is more common. In the process of use, the cardholder maliciously cashes out when he knows that he has no repayment ability after use, has no willingness to repay after overdue, or does not cooperate with the bank to repay. , can be counted as malicious overdue.

This situation is also easy to be prosecuted. At the same time, there is one point that needs special attention. No matter how serious other overdue acts are, they are also civil disputes. However, if it is maliciously overdue, it can be judged as a criminal offence. Please keep this in mind when using sex cards, and don't touch this red line easily.