In order to solve the problem of overdue credit cards, cardholders should take the initiative to negotiate with the bank to stop paying interest, instead of waiting for the bank to contact. Cardholders should take the initiative to call the bank, sincerely express their wishes, and explain in detail the reasons for overdue, so as not to be misunderstood as intentional overdue. When communicating with banks, cardholders should clearly explain their financial status, debts, income and other conditions, so that banks can fully understand the situation and express their willingness to repay.

If the negotiation is successful, the overdue arrears will no longer generate new interest. The cardholder only needs to repay the arrears of interest and principal on time and in installments according to the extension plan. This kind of active communication and cooperation will help cardholders to establish a good cooperative relationship with banks and provide positive solutions to solve overdue problems.

How long will the credit card be sued if it is overdue?

According to the law, if the credit card holder fails to repay the minimum repayment amount for more than three months in a row, the bank may bring a lawsuit to the court. However, banks usually do not sue customers immediately, but contact cardholders to urge repayment first. Only when the cardholder refuses to repay and can't contact the cardholder will the bank consider suing. This is because litigation takes time and energy, and banks usually hope to solve problems through communication and consultation, rather than taking legal measures immediately. Cardholders should actively cooperate with banks to solve overdue problems as soon as possible and maintain a good credit record.