Do you think someone will inform you before the credit card is sued for overdue?

Of course, someone will inform you before the credit card is sued for overdue. Generally speaking, the bank will call you or submit a lawyer's letter to inform you.

Although it seems that the frequency of using credit cards in China is not as frequent as in Europe and America, China is also a big credit card user. Almost every adult has a credit card, which can lead to consumption, so it is loved by many people. However, while using credit cards, many people choose not to repay for various reasons, which leads to overdue. In the face of such people, banks usually collect money first. If the effect is not good and there is no intention to pay back the money, then it is very likely that the bank will take them to court.

1. Credit cards will be notified before they expire.

First of all, in China, only banks are qualified to issue credit cards, so banks will generally sue credit cards according to the corresponding procedures. First of all, banks will not sue credit card users immediately when they are overdue. First, they will call for collection. If the collection fails and the credit card owes too much, the bank will sue the court with legal weapons. Moreover, the overdue person will be informed orally before prosecution. If the overdue person is afraid of being sued to repay the arrears, then the prosecution procedure will not be carried out. But some overdue people say it doesn't matter, and they are not afraid of prosecution at all. Then the bank will sue the court, and the court will sanction the arrears.

Second, we must repay in time.

In our daily life, although we may have no money at hand for a while because of various things, the credit card has not been returned. However, when you have money, you must repay it to the bank immediately. When the bank collects it, you must give the bank a statement, tell the bank that you will repay it, and ask the bank to give a few days' grace or repay it in installments. Otherwise, if it really comes to prosecution, it is likely to affect your future. Moreover, serious cases of credit card arrears are likely to be identified as criminal cases. Our laws have provisions on credit cards, and we must not let the rest of our lives be miserable because of penny wise and pound foolish.