How to solve the problem after the credit card is sued for overdue?

After the credit card is overdue, if it is really sued, we will receive a subpoena and text message from the court. The number of court short messages sent is 12368, which is the public service number of judicial information in the national court system determined by the Supreme People's Court. The court's prosecution is based on the receipt of the complaint, and the text messages sent by other numbers are fraudulent text messages, usually a means of collection, so there is no need to be overly anxious.

If you really receive the prosecution message from 12368. Then please respond positively, because if you don't respond, you will be sentenced to absence, and the court will award you what you deserve, so you will have no chance to negotiate.

It can be solved by the following methods:

The first is the jurisdictional objection. Before responding to the lawsuit, we need to check whether the court that sent you the text message has jurisdiction. There are many lawsuits in different courts now, so we have the right to raise jurisdictional objections. If this court has no jurisdiction, you will usually drop the lawsuit there if you bring it up. As for whether to prosecute in the jurisdiction, those are other ways to deal with it. Assuming that it is transferred to the local area, it is more convenient for us to deal with it.

Second, some of the claims in their prosecution were not recognized in the evidence. General online loan litigation, such as interest, liquidated damages and penalty interest, all calculate the corresponding interest rate in advance according to your actual repayment situation, so that after the lawsuit, you can not recognize the legality of this online loan. If the annual interest rate of online lending companies exceeds 36%, it is not protected by law, and the latest annualized interest rate cannot exceed 15.4%.

Third, if there are no problems with the first two, then you must go to court. If you don't go, you will probably lose the case directly. After losing the case, you may face the freezing of savings card accounts, including the freezing of third-party payment instruments and the freezing of salary cards, so this is the worst result.

Fourth, there may be a pre-trial adjustment before the trial. If the adjustment is good, try to make a plan in pre-litigation mediation. After all, it makes sense to pay back the money in arrears. As long as it is within the scope of laws and regulations and can give us a break, we must try our best to repay it as soon as possible, and don't go to the step of enforcement, which will cause great inconvenience to our lives.