CCB's credit card is overdue, and now CCB sends a text message saying that it will go through judicial procedures if it doesn't repay; It means that if the repayment is not made as soon as possible, CCB will bring a lawsuit to the court.

Bank's handling method for overdue loans:

When the arrears are overdue, the loans will be collected;

If the loan is overdue for more than 9 days, bring a lawsuit to the court:

① According to the loan contract and guarantee contract (mortgage or pledge contract), the lender will bring a lawsuit to the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and the loan guarantor, and sealing up the pledged property.

(2) After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.) to pay off the bank's loan losses.

③ specifically includes: loan principal, loan interest, overdue interest and penalty interest, all litigation costs arising therefrom, and related expenses incurred when the mortgaged (pledged) thing is realized.