If you come to your door with an overdue credit card, you should actively negotiate with the other party, and pay attention to your attitude. It must be very good, inform the other party of your financial situation, and then put forward your own ideas, such as installment repayment. If agreed, both parties can sign a mediation agreement.

1. What should I do if my credit card is overdue?

1. Don’t avoid collection agents: When encountering bank collection personnel, they have a good attitude and do not have unnecessary conflicts with the collection personnel. Don't play "missing" either, because as long as you repay the loan as usual every month after it's overdue, there's nothing to worry about.

2. Negotiate repayment with the bank: If there is a problem with your personal financial ability and you cannot repay all the money, you can negotiate with the bank for repayment and ask the bank to extend the repayment period or reduce the interest, but you must not avoid it. The bank's collection will only increase the credit card interest. First, negotiate with the other party. If the amount owed is not large, the debtor can negotiate with the other party to apply for a grace period. If the other party agrees, the crisis can be temporarily relieved and the debt can be repaid in a timely manner later. Secondly, before the collector comes to the door, the other party needs to produce relevant information. If a bank employee comes to the door, he needs to check his work ID; if a third-party debt collector comes to the door, he needs to check the materials and evidence that can prove that he is entrusted by the bank to come to collect the debt.

2. What are the consequences of an overdue credit card? 1. Overdue credit card fees; 2. Overdue interest; 3. Bad credit record; 4. Criminal liability for malicious overdrafts; 5. Overdue credit card repayment records will be It will be recorded in the central bank's credit reporting system and generate a bad credit record; 6. If the overdue amount is large, the bank will directly sue the cardholder for credit card fraud and malicious overdraft.

3. What to do if you are sued for an overdue credit card

1. The consequences of ignoring it. If the cardholder does not file a lawsuit or negotiate, it is likely to be enforced by the court and become a breach of trust. That is to say, "Lao Lai". No one wants to see harm to their children. If there is indeed no property in your name to enforce, you must also be willing to repay. If there is "malicious overdraft" behavior, you may be jailed.

2. The correct way to respond to being sued. When you are sued for an overdue credit card, it means that the degree of overdue is serious, and you should contact the bank without delay. The purpose of the bank's lawsuit is to collect debts. If the cardholder can agree to repay the card in time, the bank will usually withdraw the lawsuit. In the case of real financial difficulties, you can try to negotiate with the bank for repayment in installments. If the credit card is overdue, it is also a legal way for the other party to come to you to demand payment. Of course, if the other party violently demands payment, you can collect relevant evidence and materials, and then report the case to the local public security agency. If the other party has fantasies through legal channels, you should be friendly and actively negotiate with the other party on how to repay the loan in installments.