CCB's credit card is overdue, and now CCB sends a text message saying that it will go through judicial procedures if it does not repay.

CCB's credit card is overdue, and now CCB sends a text message saying that it will go through judicial procedures without repayment; It means that if the repayment is not made as soon as possible, CCB will bring a lawsuit to the court.

How banks handle overdue loans:

When the arrears are overdue, collect the loans;

If the delay exceeds 90 days, bring a lawsuit to the court:

① According to the loan contract and guarantee contract (mortgage or pledge contract), the lender will bring a lawsuit to the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and the loan guarantor and sealing up the pledged property.

(2) After the judgment is made, the property will be enforced (deducting deposits, auctioning collateral, etc.). Pay off the bank's loan losses according to law.

③ Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, all litigation expenses arising therefrom, and related expenses incurred when the collateral is realized.