1. What will happen if the credit card is sued?

1. If the cardholder still refuses to repay the loan after the court judgment, the cardholder will be liable. You may be placed on the list of dishonest persons by the court, thereby restricting daily consumption and travel. The court may also enforce or freeze the property in the cardholder's name and deduct funds to repay the outstanding balance. If the cardholder is suspected of malicious overdraft, he may also be sentenced to imprisonment.

2. Once overdue payment occurs, the bank will report it to the Central Bank for credit investigation, leaving a bad record in the personal credit report, and personal credit will be damaged. Due to credit problems, cardholders may be hindered in subsequent processing of new credit business.

3. In addition to paying off the debt, the cardholder also needs to repay the card-issuing bank's litigation costs. Even after long-term default, the court will order the cardholder to compensate the card-issuing bank for fines.

2. What to do after a credit card is sued

1. The most important thing is to determine whether the lawsuit is true, because many third-party collection agencies will pretend that the cardholder is being sued. Come to collect. Therefore, first confirm whether the cardholder is actually being sued. If the cardholder only receives a text message or phone call informing that the cardholder has been sued, and the collector says that the cardholder has been sued, it is usually a lie. Because if the cardholder is sued, there will be a formal notification letter, official seal, hearing notice, etc.

2. Actively respond to lawsuits. If the cardholder is really sued, he should actively face it. Arrears of less than 50,000 yuan are just civil lawsuits, so you don’t need to be too afraid. There is still room for negotiation with the card-issuing bank at this time. If the debt can be paid off in one lump sum, the cardholder can ask the card-issuing bank to withdraw the lawsuit after the debt is paid off. If the cardholder really cannot afford the debt, he can also show his willingness to repay and negotiate with the bank for repayment.

3. Will you go to jail if you are sued for a credit card?

If you are sued for a credit card, you may not go to jail. If the credit card expires and is sued, the cardholder may not be sentenced to jail. . Only those suspected of criminal offenses will be imprisoned. Unless the cardholder has malicious intent to overdue, uses deception when applying for a credit card, and the overdue amount is more than 50,000 yuan, this situation will satisfy the crime of credit card fraud and may lead to imprisonment.

Therefore, cardholders do not need to be too afraid of going to jail after being prosecuted. In most cases, cardholders will not go to jail and only need to pay off the outstanding balance.

Having said all that, everyone has a clearer idea of ??how to deal with a credit card being sued. If a credit card is overdue and sued, it is best to proactively negotiate with the card-issuing bank. The court will also arrange for the cardholder and The card-issuing bank negotiates and as long as an agreement can be reached, the card-issuing bank will withdraw the lawsuit.

Don’t worry if your debt is overdue, one-on-one legal services will provide you with a solution.