The first thing to do is to contact the bank proactively. You know, although the bank can sue, it can also withdraw the lawsuit. So you can take the initiative to explain the situation to the bank and prove that your situation is indeed difficult. As long as you negotiate with the bank, the bank will generally not make it too difficult for you. Since you are being sued for owing credit card money, you naturally need to repay the credit card if you want to solve the problem. Of course, requiring you to pay off a credit card does not necessarily require you to pay off all of your balance within a short period of time. You can negotiate a repayment period with the bank and repay it every month. It is very important to show a positive willingness to repay the loan. Regarding the question "What should I do if my credit card is overdue and I am notified of a court hearing?", the editor will answer it in detail for you below.

1. What to do if your credit card is overdue and you are notified of a court hearing? 1. Take the initiative to negotiate with the bank. The first thing to do is, of course, to contact the bank. You must know that although the bank can sue, it can also withdraw the lawsuit. Therefore, you can take the initiative to explain the situation to the bank and prove that your situation is indeed difficult. As long as you negotiate with the bank, the bank will generally not make it too difficult for you. 2. Repay the credit card. Since you are being sued for owing money on the credit card, if you want to solve the problem, you naturally need to repay the credit card. Of course, asking you to repay a credit card does not necessarily require you to pay off all the debt in a short period of time. You can negotiate a repayment period with the bank and then pay back a little every month, which shows that you are actively willing to repay the loan. important.

2. When will the overdue bad credit record on your credit card be eliminated? 1. Apply to eliminate the bad credit record through personal credit objection. (1) Due to system problems or other reasons, if you are not responsible for the debt and are not malicious, you can eliminate bad credit records through personal credit objections. (2) The modification application can be processed within 15 working days. Objection applications need to be submitted in person or by entrusting others to the Credit Reference Center of the People's Bank of China, the People's Bank of China at the location, or a commercial bank. (3) The credit reference center or commercial bank will immediately conduct verification after receiving the objection application. (4) If errors are found, they will be corrected promptly and a reply will be given within 15 working days. After the prescribed 15 working days, you can go to the local People's Bank of China to get the reply letter. 2. Under normal circumstances, it will disappear after five years. Article 16 of Chapter 3 of the "Regulations on the Administration of the Credit Reporting Industry" stipulates that the credit reporting agency shall retain personal bad information for 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, it shall be deleted. During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it. However, you are being sued for owing credit card money. If you want to solve the problem, you naturally need to pay off the credit card. Of course, requiring you to pay off a credit card does not necessarily require you to pay off all of your balance within a short period of time. You can negotiate a repayment period with the bank and repay it every month. It is very important to show a positive willingness to repay the loan. If you really encounter a problem that cannot be solved, you can consult a professional lawyer. There is a team that specializes in handling credit card and debt disputes such as credit card online loans. If necessary, you can click on the link below to consult a professional lawyer.