The reminder message at the beginning of 1069 wants to sue me.

The collection message at the beginning of 1069 wants to sue me, which is obviously not true. This is only a collection method for cardholders by a third-party collection platform, and it is not a real court lawsuit. If the credit card is overdue for a long time, the bank will entrust a third-party platform to call the cardholder for dunning. In the process of collection, as long as the cardholder does not escape and lose contact, does not turn off his phone and disappear, and does not evade collection, then there is no need to worry about being sued and imprisoned.

First, how to distinguish between true and false overdue text messages?

1. Public security organs appear in overdue short messages >; The text messages about the court and other related content are basically fake.

2. as long as there is a wanted order > loyal person > Lao lai's short message and other related content in the overdue short message, it is basically false.

3. As long as the overdue text message sent by a private number is related to the prosecution of imprisonment, it is basically false.

4. As long as there is a threat in the overdue text message, it is basically fake to let you contact Director XX.

5. Those overdue short messages starting with 1069 are basically sent by commercial short message platforms, and they are also fake.

Second, how to remedy the overdue credit card?

1. Minimum monthly repayment: After the credit card is overdue, try to pay the minimum monthly repayment, so that the bank will not keep receiving and sealing the card when it sees the cardholder's willingness to repay.

2. Negotiated installment repayment: The cardholder's credit card is overdue for a long time, and he can't pay off all the debts at one time, but he still has the repayment ability, so he can apply to the bank for negotiated installment repayment. After reaching a repayment agreement with the bank, you can repay the loan on time every month according to the agreement.

3. 1069 said at the beginning what should I do if my credit card is overdue?

As mentioned above, when you receive this information, you should first judge whether it is true or not. 1069 does start irregularly. But the information is false, and being sued may come true. Overdue users can't ignore it, in case they receive a complete court summons one day. If it is really overdue for a long time, the accumulated interest on arrears is relatively large, and there is a risk of being sued. In order to avoid this risk, we must pay back the money. Don't deliberately ignore the bank's collection, or even change the number and address, which is illegal. If you owe a lot, the user is willing to pay back a part every month, or negotiate how much to pay back in installments, and the bank will not sue. If you really receive a lawsuit, you will consider full repayment through inquiry, which is the fastest way for the bank to withdraw the lawsuit. After all, the purpose of bank prosecution is to collect debts.

legal ground

Article 1 19 of the Civil Procedure Law stipulates that prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) Having a clear defendant;

(3) Having specific requests, facts and reasons;

(4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.