If I get a credit card text message, I want to sue.

Legal analysis: it is a process of prior notice to sue for receiving credit card text messages. If the other party finds that the debtor has not provided substantive treatment methods, it will sue to the court to recover the arrears. In this way, the court will send a notice or summons to the defaulting party.

In this case:

1, you should actively contact the other party, giving the other party the attitude that you only occasionally forget to repay the loan or pay no attention.

2. If the repayment of loans overdue is due to turnover or capital problems, it is necessary to communicate with the other party about the expected specific time or give the other party a specific repayment plan.

3. loans overdue's repayment will reduce the integrity, if the other party submits this item to personal credit inquiry.

Legal basis: Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest lending, and the loan interest rate shall not violate the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.

If the loan contract does not specify the method of interest payment, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as having no interest.