What should I do if my credit card is sued for overdue?

First of all, stay calm and make sure that you are really being sued. Have you received a subpoena from the court or a short message from 12368? If you really receive it, then you must go to court. We can only deal with it if we go. If you don't go to court, then the court will judge by default, which is very unfavorable to you. So if you are sued, you must go to court for consultation. Why do you want to confirm? Because of a collection, I called you and texted you that I would sue you. But these are all collection methods and have not really been prosecuted by banks. So we must first determine whether we are really being sued.

Don't be afraid even if you are sued by the bank. Because since the court accepted it, it was basically a civil dispute. So you don't have to worry, the credit card is maliciously overdrawn and sentenced to jail. So considering from this aspect, it is also a good thing. Of course, if you are sued, it means that your debt has returned to the bank, and there will naturally be no collection in the future. So from this perspective, it is also a good thing. So being sued is not necessarily a bad thing. So what happens if you are sued and don't go to court? Many people will choose not to go because they have no money. So just don't go. Then the judge will make a judgment based on your absence. After the bank gets the judgment, if it can't receive the arrears, it will apply for enforcement. At this time, all your financial accounts will be frozen, including the bank card and the balance of F Bao V letter. And if it is overdue for a long time, it will be blacklisted by the court, which will have a great impact on yourself and your children. For example, they can't take the high-speed train, buy a house and mortgage abroad, and so on. And their children can't become soldiers and politicians. But if there is a trial, it will be another result if you go. Be sued, what will happen if you go to court? What will happen? The court will not hold a court session directly, and will generally arrange for the two parties to negotiate first. At this time, the bank will come up with two repayment plans, one is full repayment and the other is incremental installment repayment. You can choose what suits you. If you feel that the conditions are harsh, you can still negotiate with the other party. If the other party disagrees, you can still complain to the Banking Insurance Regulatory Bureau. And remember, the relationship between the court and the bank is definitely closer than yours. So in any case, try not to go to court. You might as well agree to the other party's suggestion first. In the later stage, it is really not possible to consult the bank again. At least, after you agree to negotiate, you will not be enforced and become an old lai.