If your credit card is sued, you can take the initiative to contact the bank for negotiation, explain that you have no ability to repay, that you did not intentionally fail to repay after the due date, and at the same time express your willingness to actively repay; if you still refuse after the court judgment If you repay the debt, you will probably be included in the list of dishonest persons subject to execution by the court.

1. How to deal with credit card civil disputes. How to deal with credit card lawsuits: 1. If you are sued by a bank because you owe credit card money, it is recommended to contact the bank for negotiation before the court session and explain your personal details. If you are temporarily unable to repay, you do not intentionally fail to repay when due, but express your willingness to actively repay; 2. First find a way to pay off the overdue credit card debt as soon as possible; 3. If the court has ruled that the customer must repay as soon as possible. , then the customer must pay off the debt as soon as possible in accordance with the court's decision. If he still refuses to repay after the court's decision, he is likely to be included in the list of dishonest persons subject to execution by the court.

2. What is the process for being sued for credit card debt? The litigation process for credit card debt is roughly divided into three steps. In the first step, if the bank still refuses to repay after multiple calls, it will submit a civil lawsuit to the court. After acceptance, the bank will compile the litigation materials and submit them to the court for approval. In the second step, after receiving the litigation materials, the court will generally review and approve whether to accept the lawsuit within 7 days. If you still fail to return the money after the civil ruling, you will be guilty of credit card fraud and should bear criminal liability. The third step is that after the relevant departments file a case for investigation, in about four months, the bank will entrust the local People's Procuratorate to file a public prosecution in the court.

3. How to negotiate with the bank for repayment of credit card debts. Cardholders will know that they will not be able to repay their credit card before it is overdue. It is best to communicate with the bank in advance to find a suitable repayment method. Usually we will provide you with feasible solutions. If you want to negotiate repayment after a period of overdue debt, you should first proactively call the bank hotline and express your attitude and willingness to repay to the staff. During the communication with the bank, he took the initiative to explain that his financial situation was difficult and he had no ability to repay. As long as relevant proof is provided and previous credit card payments have been made on time and there is no bad record. The bank will usually agree to negotiate, and as long as the cardholder repays the money as agreed and doesn't have any overdue payments, there will be no problem. After a credit card dispute arises, both parties can resolve it through negotiation. After all, those with overdue credit cards are responsible for repayment. For banks, they also want to recover the money as soon as possible, so as to ensure that their own interests are not harmed. Of course, if the other party refuses to cooperate, it can be resolved through litigation.