If the court has accepted it, it will naturally be difficult to negotiate. Only after the court verdict comes out can the customer repay the loan in time according to the verdict.
If the customer refuses to repay the loan after the judgment of the court, it is very likely that he will be included in the list of untrustworthy people by the court and become an executor of dishonesty.
Therefore, customers are advised to contact the bank as soon as possible to negotiate repayment. As long as the customer deliberately fails to repay on time, the bank will naturally consider the customer's application for extending the repayment period and repaying by installments, or stop paying interest after explaining that the individual is unable to repay and expressing his willingness to repay in good faith.
Of course, it is best for customers to develop the good habit of paying back on time and try to avoid overdue. If the credit card can't be paid off in full, you can apply for installment or minimum repayment. You should also know how to control when using credit cards to avoid paying too much.
What should I do if my credit card is sued for overdue payment?
If you sue for credit card arrears within the time limit, you are advised to pay off the arrears before the court accepts the judgment. If the debt can be paid off in time, the bank will take the initiative to withdraw the lawsuit.
And if it is really unable to repay, customers can also try to contact the bank to actively negotiate to see if they can apply for suspension of interest payment or extension of repayment period to repay the arrears in installments. If the negotiation is successful, the bank will naturally withdraw the lawsuit, and then the customer will discuss with the bank a repayment plan that conforms to his current economic situation, and then repay the arrears according to the new plan.
Of course, if customers have no money to pay back, they can actually try to borrow money from relatives and friends around them to pay back their credit cards. In short, the sooner you owe your credit card, the better.
And if the court has accepted the judgment, then the customer can naturally no longer negotiate with the bank and can only repay the loan in time according to the judgment result of the court. If the court refuses to repay the loan after the judgment, the court is likely to enforce it. At that time, the bank card in the customer's name will be frozen and the funds will be deducted from it to repay the credit card.