To check whether you have been sued for an overdue credit card, you can log on to the China Judgment Documents Network, the China Enforcement Information Disclosure Network, and the China Trial Process Information Disclosure Network to make inquiries online. You can also bring your ID card to the local people's court for inquiries.

1. How to check whether someone with an overdue credit card has been sued

Just log in to the China Judgment Documents Network, the China Enforcement Information Disclosure Network, and the China Trial Process Information Disclosure Network to make inquiries.

Log in to these websites and enter the information of the parties involved, and then you can check whether you have been sued. If you are really sued, the court will generally serve the summons and related legal documents to you. If the person cannot be contacted, he or she will be served by announcement or other means, such as in a newspaper. In addition, you can also inquire by name or ID number on the official website of the court. You can also go to the filing chamber of the local court with your identity document to make inquiries.

2. The formal process for being sued for overdue credit cards

1. The bank will prepare the prosecution materials and file a lawsuit with the court. The court will make a decision within 48 hours whether to accept the case. If If the application is accepted, a receipt will be issued; if the application is not accepted, the reason for rejection will be stated.

2. Once the bank accepts the lawsuit, it will ask the clerk to call the defendant who can be contacted. Before the formal hearing, the court will organize pre-litigation mediation.

3. If the defendant can contact and is willing to mediate, and the two parties can reach an agreement through mediation before the trial, then the mediation result will prevail. If an agreement cannot be reached, a court hearing will be scheduled.

4. If the defendant is absent from the court session, the court will make a default judgment based on the relevant evidence submitted by the bank plaintiff. The default judgment is also enforceable, and the judgment will be sent to the defendant's registered address by email.

5. If the defendant fails to perform its repayment obligations in accordance with the provisions of the judgment, the bank plaintiff only needs to apply for corresponding execution against the defendant according to the procedures, and then a series of bank cards, etc., including bank cards in the name of the defendant may be targeted. The assets are seized, frozen and deducted.

6. If the defendant has no enforceable property and the plaintiff continues to apply for execution, the defendant may be listed as a dishonest person subject to execution, commonly known as a Lao Lai. Until all the debts are paid, the defendant can apply to the court. Exit the list of dishonest persons subject to execution.

After your credit card expires, you can take your identity to the local court to check whether you are being sued. If you are sued, the party concerned will receive a document from the court. The credit card has a cash withdrawal function, and you can withdraw up to 50% of the credit card limit in cash. If your credit card is stolen, you must freeze the credit card as soon as possible and then call the police.

What to do if you are sued for an overdue credit card:

1. Pay off the debt immediately:

If you are sued for an overdue credit card, we should do it if we are able. Pay off the debt immediately. If you cannot pay off the full amount, it is recommended that you find relatives and friends around you to make turnover, and then work hard to pay off the debts of relatives and friends to avoid the consequences of being sued.

2. Negotiate repayment:

If our credit card is overdue and we are sued, we still have the opportunity to negotiate repayment with the bank. Once we receive the notice from the bank that we will sue, we should be able to pay it back. Pay back the amount you want, and then contact the bank to inform them of your current financial situation, and declare that you did not overdue the loan maliciously, and that you currently want to repay the loan through negotiated repayment. However, if the court has filed a case, we can only respond actively.

3. What should you pay attention to if you are sued for an overdue credit card:

1. If you are sued for an overdue credit card, we must pay attention to it. If the court has filed a case, you should actively respond to the lawsuit and cooperate with the court’s investigation. , be careful not to have an indifferent attitude, especially if the credit card is very overdue, it may be convicted of credit card fraud by the court.

2. Furthermore, we should also note that if the court not only accepts the case after being sued, but also gives a judgment, then we should repay the loan according to the judgment. At this time, if you still refuse to repay the loan, you may be subject to enforcement against the property in your name.

Legal basis:

Article 412 of the Civil Code: If the debtor fails to pay its due debts or the circumstances agreed by the parties to realize the mortgage rights occur, the mortgaged property will be seized by the people. If the court seizes the property in accordance with the law, the mortgagee shall have the right to collect the natural interest or statutory interest of the mortgaged property from the date of seizure, unless the mortgagee fails to notify the person obligated to pay off the statutory interest. The interest stipulated in the preceding paragraph shall first be used to offset the expenses for collecting the interest.