Before the credit card is sued, the user will receive a notice. If the name of the court is written below the notice, it is true. Otherwise, it is false. When a user receives a pre-indictment notice, the first thing they need to look at is the signature below to determine whether it is the signature of the court. If so, then the indictment notice is genuine and the user can immediately negotiate with the company suing and repay the money.

When credit card holders are overdue due to long-term non-repayment and still fail to achieve certain results after repeated collections, they will be prosecuted. Before filing a lawsuit, a notification letter is usually sent to the cardholder. If the notification letter comes from a law firm rather than a court, it is not a document for prosecution. In other words, the cardholder can also pay off the money owed as soon as possible within a certain period of time. This is just a debt collection, not a real lawsuit. But also pay off the credit card before you actually get sued.

But if you receive a summons from the court, it will be true, and you will also receive information from the source "12368". In this case, the notice of prosecution is the fact. In general, talk to the credit card company first and find the best solution rather than going to court. Secondly, when receiving a complaint, we must first check which company the complainant’s name belongs to and which company he belongs to. If it is not displayed, you can call 12368 and ask customer service personnel to verify the facts. Therefore, after receiving the notice of prosecution, you should negotiate as soon as possible to reduce the big matter to trivial matters.

What should I do if I cannot repay the credit card?

1. Choose the minimum repayment amount: Credit cards generally have a minimum repayment amount, which is usually one-tenth of the principal, but for the remaining part, it will be charged at 10,000 per day. Calculate the interest rate of five.

2. Choose to repay in installments: Banks generally provide users with different repayment plans in installments for users to choose. Of course, there will also be some handling fees.

3. Negotiate repayment: Communicate with the card issuing bank, inform it of the actual situation, and negotiate repayment arrangements.

4. Ask relatives and friends to borrow money to repay the debt, and then earn money to repay the debt yourself.