Collect text messages and pretend to be a court prosecution.

That is usually sent to you by a third-party dunning company. They will try their best to force you to pay back the money. The bank will not sue soon. Usually one year before the prosecution. So in the meantime, please call the bank as soon as possible to negotiate installment repayment and pay it back slowly. A little over a month. Credit cards are different from loans. If the loan is not paid back, you won't go to jail. Detention 15 days at most, only twice a year. Credit cards are guilty of credit card fraud. It is a crime not to pay back the money. If you really sue, you will be locked up for several years. So think about it. If you can borrow money from a friend, you might as well pay it back first.

After the credit card is in arrears, you are sued by the bank to the court, and you receive a text message to remind you to open the court. You must first judge whether this short message is true or not.

Because at present, many banks entrust their credit card collection business to third-party collection agencies, and some informal collection agencies will pretend to be public security laws and send some legal documents to debtors in order to put pressure on them.

Therefore, when you receive a short message reminding you of the court session, you must first judge whether this short message is sent to you by the court or by a third-party collection agency.

According to the normal litigation procedure, the court can't just send you a text message to remind you of the court session time. Generally, you will be served with a court summons before the court session. There are several ways to serve the summons:

1. Direct service: the judge, clerk or judicial police of the court will serve the litigation documents that should be served directly to the person to be served, his agent or adult family members living together.

2. Entrusted service: if it is difficult to serve directly, the service method of entrusting other courts to serve on its behalf.

3. Service by post: the service method that the court service personnel deliver the litigation materials that should be served to the addressee by mail.

4. Lien service: the litigation documents directly served by the court are refused to be signed by the addressee. After the addressee invites the personnel of relevant institutions to be present, the relevant personnel shall witness the way of leaving the litigation documents at the addressee's residence and complete the service.

5. Forwarding to the addressee: the way to deliver the serviceman and the imprisoned and reeducation-through-labor personnel in the army to the addressee through the political department or prison administration department at or above the regiment level.

6. Announcement service: also called quasi-service. It refers to the delivery method of publishing an announcement in a newspaper or other carrier, which produces a delivery effect after a certain period of time.

In addition to the above six ways, with the consent of the addressee, the people's court may serve the litigation documents by fax, e-mail or other means that can confirm receipt.

But at present, there is no way to serve the court summons by SMS. Therefore, before you receive the SMS notification of the court session, if you don't receive any court summons, you can contact normally, and the court doesn't need to send a summons by announcement, so you can refuse to appear in court.

However, according to the normal litigation procedure, it is impossible for the court to send you a text message to inform you of the hearing without serving you with a subpoena. So I guess you suddenly received the notice of hearing, which is probably just a means used by the third-party collection agency to scare you.

If you are sure that the false information is sent by a third-party collection agency, you can ignore them. After all, at present, not all bank users will go to court if their credit cards are in arrears, and banks don't have much time to go to court. If the overdue amount of everyone's credit card is relatively small, such as 1000 yuan, and the overdue time is relatively short, less than 6 months, it is basically impossible for the bank to sue everyone. Only when the overdue amount is relatively large, such as more than 1 000 yuan, and the overdue time is more than 6 months, it is possible for the bank to take everyone to court.