The court process first requires the bank to file a lawsuit. After receiving the corresponding indictment, the court will verify the materials and file the case if it meets the conditions for prosecution. Then it will notify the defendant to prepare a defense statement, and then notify the court of the opening of the court. Before the court opens, the two parties will be mediated. , if the mediation is successful, there is no need to hold a court session. If the adjustment is unsuccessful, the court session will be held normally.

1. What is the court process for overdue credit cards? 1. The plaintiff sues. 2. After the court accepts the case, it will serve a copy of the indictment to the defendant. 3. The defendant shall submit a statement of defense within fifteen days, and the court shall serve a copy of the statement of defense to the plaintiff within five days. If the defendant fails to submit a statement of defense, the trial will not be affected. 4. When deciding to open a case for trial, the court shall notify the parties and make an announcement three days in advance. 5. The court investigation stage includes: statements by the parties; informing witnesses of their rights and obligations, testifying by witnesses, reading out testimonies of witnesses who are not present in court; presenting documentary evidence, physical evidence and audio-visual materials; reading out appraisal conclusions; and reading out inspection records. 6. Court debate includes: the plaintiff and his litigation agent speak; the defendant and his litigation agent respond; the third party and his litigation agent speak or respond; and mutual arguments. When the court debate ends, the presiding judge will solicit the final opinions of all parties in the order of the plaintiff, defendant, and third party. 7. When the court debate ends, a judgment should be made in accordance with the law. If mediation is possible before judgment, mediation can still be carried out. If mediation fails, judgment should be made promptly. 8. When the court hears a case, the procedures for civil cases, criminal cases, and administrative cases are different, and for the same type of cases, the procedures for the first instance and the second instance are different, so the trial procedures must be based on the actual circumstances of the case. Depends.

2. What are the consequences of an overdue credit card? 1. If a credit card is overdue, you first need to pay a late fee of 5% of the minimum unpaid portion, as well as the full penalty interest on the bill. Of course, the most serious one will be Having a bad credit record in the People's Bank of China's Certificate Center will have a serious impact on future loans to buy houses and cars. 2. For those who are overdue for more than 6 months or more than three months, or who have not repaid the bank reminders more than twice. The credit card will be frozen by the bank, and the individual will be included in the bank's "blacklist", and will not be able to apply for credit cards and loans in the future.

3. What should I do if my credit card is overdue? 1. Generally speaking, the period of "bad records" is 5 years. After 5 years, the credit reporting agency will clear the overdue records. Of course, the premise is that all credit cards must be paid off. of arrears. 2. If the loan is overdue three times in a row and six times in total within two years, the bank can refuse the loan; if the bank issues a certificate of non-malicious overdue loan, although the loan can be granted, the loan limit will be lower than that of normal customers and the interest rate will be higher. 3. Remember not to cancel the card casually, because once the card is canceled, the bad record will always exist. The best way is to use it normally and trustworthyly for 24 months, and then cancel the card after the bad records are eliminated. Therefore, an overdue credit card will cause many adverse effects. If the debt is large and it is still not repaid after the bank calls for debt, the bank may directly sue itself to the court in order to recover the debt. At that time, it will not only have to bear The consequence of overdue payment may be a lawsuit, which is not cost-effective. Moreover, in this case, the bank usually wins the lawsuit and needs to bear the legal fees.