1. Where is the court where the credit card is sued for overdue

Generally, the credit card is sued for overdue not in the domicile, but in the defendant's habitual residence. Under normal circumstances, a civil action brought against a citizen shall be under the jurisdiction of the people's court of the defendant's domicile; If the defendant's domicile is inconsistent with his habitual residence, it shall be under the jurisdiction of the people's court of his habitual residence. A civil lawsuit brought against a legal person or other organization shall be under the jurisdiction of the people's court where the defendant is domiciled.

Civil Procedure Law

Article 21

A civil action brought against a citizen shall be under the jurisdiction of the people's court of the defendant's domicile; If the defendant's domicile is inconsistent with his habitual residence, it shall be under the jurisdiction of the people's court of his habitual residence. A civil lawsuit brought against a legal person or other organization shall be under the jurisdiction of the people's court where the defendant is domiciled. Where several defendants in the same lawsuit have their domiciles and habitual residences in the jurisdiction of two or more people's courts, each people's court shall have jurisdiction.

second, what are the consequences of overdue credit cards

1. High penalty interest and liquidated damages

If the loan is not repaid by the repayment date, in addition to continuing to pay the loan interest, high penalty interest and liquidated damages are also required. Banks and different lending institutions have different charging standards for penalty interest. Generally, private lending institutions charge more than banks. Some lending institutions need to pay high liquidated damages in addition to the penalty interest of those borrowers who fail to repay the loan within the time limit.

2. Impact on personal credit

The consequence of loans overdue's failure to pay back is not only the high penalty interest and liquidated damages, but also the impact on personal credit. Once the loan is overdue, it will produce overdue records.

3. If loans overdue doesn't pay back, banks and lending institutions will first collect the money by SMS or phone. If you still don't return it after collection, you will bombard your family and friends with text messages and telephone calls, which will seriously affect your life and work.

4. The defendant goes to court, or even goes to jail

If the defendant still fails to pay back after various means, banks and lending institutions will take the case to court. Once the case is finalized, they will not only pay the loan principal, interest and penalty interest, but also pay high compensation and bear legal fees, and even go to jail in serious cases.

once the credit card is overdue, you need to pay attention to it, actively contact the bank, inform yourself of the actual situation, and apply for negotiating the repayment method, so that the bank can know what the cardholder's status is, whether he is willing to repay, etc., otherwise it will be easy to sue if the collection is fruitless.