Negotiate with the bank, actively respond to the lawsuit, and repay the loan as soon as possible.

1. Negotiate with the bank: Cardholders can proactively contact the bank to explain their situation, express their willingness to repay, and see if they can negotiate installment repayment to reduce their repayment pressure.

2. Actively respond: If sued to the court, the cardholder needs to actively respond and cooperate with the court's investigation. If the court has ruled on the repayment obligation, then the cardholder needs to fulfill the repayment obligation. , including penalty interest and liquidated damages, etc.

3. Repay as soon as possible: The best solution after being sued is to pay off the debt as soon as possible. After paying off the debt, you can apply to the bank to withdraw the lawsuit, and the bank will agree to withdraw the lawsuit to avoid adding more trouble. .