Legal subjectivity:

If the credit card is overdue and cannot be repaid, it does not matter even if the bank sues you. You can communicate and negotiate with the bank to explain the actual situation. If the bank Don’t deliberately avoid the phone calls when contacting for debt collection. Regarding the question of what to do if your credit card is overdue and you are sued by the bank, let the editor of the website give you a detailed answer below. 1. What to do if your credit card is overdue and you are sued by the bank 1. Don’t lose contact: Bank staff will continue to contact you after the credit card is overdue, but don’t deliberately avoid these calls. After answering the phone, you should promptly clarify your willingness to repay and your current financial pressure, and apply for a grace date. 2. Express your willingness to repay to the bank: When your credit card is overdue, you must not ignore it. First of all, you need to get in touch with the bank, indicate your current economic situation, take the initiative to express your willingness to repay, and hope that the bank will coordinate and customize a reasonable repayment plan, and then work hard to make money and slowly pay off the debt. 3. Negotiate repayment with the bank: In this case, there is generally no enforceable property in the name of the court, and the court will mediate between the two parties to stop the loss. Under normal circumstances, cardholders need to pay the interest and late fees in arrears, and then sign a personalized installment agreement with the bank to divide the outstanding amount into 12-60 installments. During this period, the bank will stop collecting payments, but the cardholder must repay the amount agreed in the agreement every month. 2. Consequences of overdue credit cards 1. Late payment fees for overdue credit cards. The so-called late payment fees for credit cards refer to the fees that the cardholder should pay to the card-issuing bank according to regulations when the cardholder fails to repay before the due payment date (inclusive) or the repayment amount is less than the minimum repayment amount. 2. Overdue interest. After a user uses a credit card to overdraft, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder repays overdue, all the expenses of the cardholder last month will no longer enjoy the bank's interest-free payment. treatment, and the recurring daily interest rate is as high as 0.5%, that is, the annual interest rate reaches 18%. 3. Bad credit record. Overdue credit card repayment records will enter the central bank's credit reporting system to generate a bad credit record. 4. Litigation costs. If the credit card is not repaid for more than three months, the bank will ask a lawyer to issue a lawyer's letter to the user and file a lawsuit in court. The litigation costs will be borne by the cardholder. 5. Criminal liability for malicious overdraft. 3. How to deal with overdue credit cards 1. Quick remedy for overdue credit cards If you encounter an overdue credit card, you should immediately call the bank service number to explain that the debt is not malicious and pay the debt in time. Under normal circumstances, banks will have a grace period of 3 days. Once a cardholder finds that his or her credit card is overdue, please handle it immediately to avoid leaving a bad record. 2. How to deal with bad records. If a cardholder has already left a bad record in the bank, do not rush to cancel the card after paying back the debt and explaining the situation. Once the card is canceled, the personal credit record will no longer be updated, and the bad record will be It has been recorded in the bank, causing serious consequences. The correct approach is to continue to use this credit card and maintain a good credit record for at least 2 years. This will basically not have an impact on personal mortgages, loans, credit card applications and other businesses. At present, the retention period of credit records in my country is 5 years. In actual use, don’t hold out hope that overdue credit cards will be remedied or bad records will be eliminated, but you should use your cards rationally. Developing good credit card and repayment habits, timely repayment, and not overdue are the basis for ensuring a good credit record. The above is the relevant content compiled by the editor. It is quite dangerous to be sued by the bank after the credit card is overdue. You should first communicate effectively with the bank, and then negotiate with the bank for repayment. In the case where the party concerned is indeed unable to repay the loan , generally able to communicate. If you have any other needs, please go online for one-to-one legal consultation. The law is objective:

Article 196 of the Criminal Law: Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined 20,000 yuan A fine of not less than 200,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances , shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) ) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.