China Merchants Bank sent a text message saying that it would sue tomorrow.

For this problem, first of all, you should make clear whether the above events exist. Have you applied for a credit card? If not, obviously, this is a lie. Ignore this thing.

If you do apply for a credit card, it is overdrawn and there is no repayment. Please call the bank's manual service to confirm this matter. Never return the phone number that sent the text message and the phone number mentioned in the text message directly. The telephone numbers of all banks are attached to the link:/content/13/1229/211927794 _ 341094510.shtml.

If the bank sues you, it means that we are long overdue. If the amount is large, the bank will generally overdue the arrears after 90 days. The attitude of the cardholder is very important, no matter how much money you owe, as long as you insist on paying back the money voluntarily.

If we use a credit card and can't repay because of unemployment or physical illness, we can call the bank and tell ourselves the real situation and apply for deferred repayment.

If our previous credit is good, the bank will generally agree to postpone the repayment, and it is also possible for both parties to agree on the repayment period, interest and monthly repayment amount.

Credit cards are rolling records for 24 months, that is, the bad credit records generated by overdue repayment of credit cards will be kept in the credit information system for two years. If the credit card is overdue, it is recommended to use it for 2 years, and the bad record will be eliminated.

Overdue credit card arrears will lead to a stain on the credit record, which will make it impossible for us to apply for other loans. Credit records can be eliminated in about 5 years, and good credit records must be maintained within 5 years.

Generally, if the following circumstances exist, the bank can sue the cardholder and the cardholder may be arrested.

1. Cardholders with serious overdue circumstances may be arrested. Generally, the overdue amount of credit card users under the credit card reaches 50,000 yuan, and the bank can sue the cardholder for malicious overdraft if the repayment is still overdue for more than three months. Once the public security department confirms that the cardholder's situation is true, it will arrest people.

2. If there is a case involving credit card fraud, once the public security organ files a case and determines that the user has committed economic criminal acts, the public security organ will arrest the relevant personnel who enter and leave.

If the overdue amount of credit card users is small and only occasionally overdue, the bank staff will arrest the cardholder when collecting, then this situation is generally a means of bank collection, mostly to scare the cardholder to pay off the debt as soon as possible.