Legal Subjectivity:

Step 1: Check whether you have the ability to repay. If you are sued by the bank for not paying off your credit card, first check whether you have enough funds. To make repayments, and then formulate a repayment plan based on specific circumstances. Step 2: Pay off the debt as soon as possible or negotiate with the bank. If you have sufficient repayment ability, you must repay as soon as possible. Bank lawsuits are often just to make the parties repay as soon as possible, which is a civil dispute. Therefore, as long as the debt is paid off, there will be no big problem, and the parties involved do not need to bear any criminal liability. Although you may have a bad credit record on your credit report, as long as you slowly improve your credit in the future, you will be fine. But if you don’t have enough repayment ability, you should negotiate with the bank as soon as possible. As long as you express your willingness to actively repay, the bank will usually accommodate you for a period of time to repay, and it is also very likely to withdraw the lawsuit. And you only need to agree on the repayment period with the bank and make repayments according to the negotiated repayment plan. Legal objectivity:

Article 243 of the Civil Procedure Law of the People's Republic of China must fulfill the legally effective civil judgments and rulings that the parties concerned must perform. If one party refuses to perform, the other party may apply to the People's Court for enforcement, or the judge may transfer the matter to an execution officer for enforcement. The parties concerned must perform the mediation agreement and other legal documents that should be executed by the People's Court. If one party refuses to perform, the other party may apply to the People's Court for enforcement. Article 245 If one party fails to perform a creditor's rights document that has been legally enforceable by a notary office, the other party may apply to the people's court with jurisdiction for enforcement, and the people's court that receives the application shall enforce the obligation. If there is indeed an error in the notarized creditor's rights document, the People's Court shall rule not to enforce it and shall serve the ruling to both parties and the notary office.