I received a reminder message saying that I would go to court.

You need to see if you have received a summons from the court. If you receive a subpoena from the court, the message you received may be true, but if you don't receive a subpoena, the message is probably false. The general court will send a copy of the complaint to the defendant after accepting the credit card dispute case.

1. Is it true that the credit card has expired and sent a text message saying that the court is in session?

It depends on whether you have received a court summons. If there is only one short message about the trial, it is probably false. In order to put pressure on the debtor, some informal collection agencies will send some legal documents to the debtor under the guise of the public security law.

According to the normal litigation procedure, the court can't just send a text message to remind the court time. Generally, a summons for trial will be served before the trial. Court summons will usually be served directly to me, and will only be served by fax or email if I agree. Of course, whether the message is true or not, you should pay off the borrowed money as soon as possible.

Second, what will happen if the credit card is overdue?

1, penalty interest for overdue credit card. The so-called credit card overdue penalty refers to the fees that the cardholder should pay to the issuing bank according to the regulations when the repayment date is not due or the repayment amount is lower than the minimum repayment amount.

2. Overdue interest. After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.

3. Bad credit record. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records. China's personal credit information records have been networked nationwide. As long as individual residents have handled loan business in banks, applied for credit cards, or provided guarantees for others, credit reports can be found in any domestic commercial bank.

4. Litigation costs. If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to send a lawyer's letter to the user and bring a lawsuit to the court, and the litigation expenses will be borne by the cardholder.

5. Criminal responsibility for malicious overdraft. According to the regulations, malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being collected by the issuing bank. Whoever commits credit card fraud with malicious overdraft shall be investigated for criminal responsibility for the crime of credit card fraud, sentenced to fixed-term imprisonment of not more than five years or criminal detention, and fined not less than 20,000 yuan but not more than 200,000 yuan.

After the credit card is overdue, it will generate overdue liquidated damages and interest, and at the same time, it will leave a bad record in the credit information system, and may even be sued by the bank. If you don't receive a subpoena from the court, you just receive a short message notice of the court session, which is probably false. Just in case, the cardholder can directly contact the court to ask whether he is being prosecuted.