Credit card owed to Shanghai Pudong Development Bank10.5 million, more than four months. The filing section of the Ministry of Justice of the Bank's Legal Department is going to formally file a lawsui

Credit card owed to Shanghai Pudong Development Bank10.5 million, more than four months. The filing section of the Ministry of Justice of the Bank's Legal Department is going to formally file a lawsuit against me tomorrow. What should I do? Ask for help. The credit card overdraft is 6,543,800+0.5 million, which is more than four months overdue. According to the relevant regulations of China Banking Regulatory Commission on credit cards, the issuing bank can hand it over to a third-party institution for collection, and it is also legal for the third-party collection agent to report the case. Frankly speaking, in the final analysis, it is to pay back the money. As a special financial enterprise, the issuing bank can't forgive your debt because of kindness. Don't dream or take chances. But there are also good suggestions:

1. Have a correct attitude and negotiate honestly with the bank. Do not avoid, do not run away, and sincerely accept bank inquiries, investigations and cooperation. You know, the ultimate goal of the bank is to collect money, not to send you to prison. Under reasonable circumstances, the issuing bank can agree to your installment repayment agreement and the promise to temporarily reduce the repayment pressure, or with the approval of the superior, there is still room for negotiation on excess interest or penalty interest, depending on your attitude and realistic economic ability.

2. The debt of10.5 million is not too big, so it is better to rely on the support of relatives and friends, strive to raise funds, and strive to pay it back in one lump sum, so as not to bear too much interest and temporarily alleviate the urgent need. Never borrow online loans, the cost is very high.

If you use a credit card first, if you can use it, you can completely solve your problem. I'll teach you.