The consequences of being sued for credit card default are as follows:

1. If enforced by the court, the bank account will be seized, the deposit in the account will be forcibly deducted, and the house and property will be seized and auctioned;

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2. If the court fails to achieve its goal through the above enforcement methods, your friend will be blacklisted and will not be able to fly or take high-speed rail in the future, and future loans will be greatly affected;

3. The crime of refusing to execute judgments or rulings, that is, “if the person is capable of executing the judgment or ruling of the People’s Court but refuses to execute it, and the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention, or a fine.

Law Basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China

Whoever commits the crime of credit card fraud under one of the following circumstances and conducts credit card fraud activities and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or Criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge Or if there are other particularly serious circumstances, he 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 his property shall be confiscated:

(1) Using a counterfeit 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 means that the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and fails to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

How to solve the problem of inability to repay the credit card

1. Submit an explanation when you are unable to repay the credit card due to reasons beyond your control. You should state your financial situation to the bank, state that the debt is not malicious, and apply for delayed repayment and interest discounts; < /p>

2. Continue to use this card;

3. You can apply for bill installment or minimum repayment.