CITIC's credit card is overdue by more than 40,000 yuan, and there is no income from work during the epidemic this year?

The possibility of prosecution is not ruled out. If affected by the epidemic, you can provide relevant evidence and ask to stop paying the bill, which means that you will not be fined and then repay it in installments. It can be divided into 60 periods at most, and the details need to be discussed with the bank.

The conditions for banks to sue overdue customers are different, and it is impossible to judge whether you will really be prosecuted. You pay it back every month, which shows that you are sincere in repayment, not malicious in breach of contract, but limited in repayment ability. In this case, banks generally do not sue. But you need to prepare for the worst. If you really sue, you can take the initiative to communicate with the bank, negotiate to stop paying, and then repay by installments. Ask the bank to drop the lawsuit. Because you pay it back every month, but the amount is too small, it is estimated that the penalty interest will be enough. So the first thing you have to do is to ask the bank to stop paying. Then ask for repayment in installments. The ultimate goal of the bank to sue you is to ask you to repay, so negotiate a specific repayment plan before suing to avoid being sued.

If you successfully apply for stopping payment, please be sure to repay on time. If it is overdue at this time, the bank will probably sue you unconditionally. I wish you an early landing, come on! If you have other questions, please pay attention to me. I hope it helps you. I hope it can be adopted. Thank you.