1. What should I do if my credit card is sued?

1. Confirm the authenticity: The cardholder should confirm whether he has received the notice of prosecution when receiving the SMS being sued. The real notice of prosecution will describe the time and place of the trial in detail, but if he receives the SMS notice, it is not enough to judge the authenticity.

2. Correct response: If you are really sued by the bank, you should face it positively. Generally, there is room for negotiation, so cardholders need to show a strong willingness to repay, and the court will handle it as appropriate according to the actual situation.

3. Negotiate repayment: If the cardholder can't repay all the debts in a short time, he can negotiate repayment with the bank on his own initiative. Banks will judge whether they can sign a personalized installment repayment plan according to the overdue situation and repayment attitude. Once signed, it can be divided into five years at most, but this is based on our overdue amount.

Second, how to deal with the credit card lawsuit?

1. Take the initiative to negotiate and communicate with the bank: the cardholder should take the initiative to communicate with the bank to show that he is not maliciously overdue, explain the overdue situation, and ask the bank to withdraw the lawsuit and repay the loan as soon as possible, and ask the bank to give a certain grace period.

2. If the bank refuses to negotiate: the cardholder must pay off all debts before the court decides, and can borrow money from relatives and friends or mortgage his own assets. Never treat it negatively. Once it is dealt with negatively, after waiting for the court's decision, the cardholder will be required to make compulsory repayment. If the cardholder refuses to repay, he will be blacklisted and become a faithless person.

3. Can I negotiate installment repayment after being sued?

After being sued, repayment by installments can still be negotiated. Generally, before the court decides, a settlement can be reached through consultation with the bank. If the cardholder fails to repay according to the settlement agreement, the court will judge the cardholder to enforce it and recover the arrears.

If we want to negotiate with the bank to repay by installments successfully, we should take the initiative to negotiate and communicate with the bank, so that the bank can see the strength of our repayment of Taodou, and pay back part of it before negotiation, which can not only express our willingness to repay, but also show that we are not maliciously overdue. If negotiation fails once, you can negotiate twice or three times, or you can negotiate with the bank many times.

After the credit card is overdue, no matter how long it is overdue, the debt owed will eventually be paid off, so it is best to repay it in full if you have the financial ability. If you can't repay all the debts, you can pay the minimum monthly payment or pay in installments. You can pay some money first every month to let the bank see our repayment attitude so as not to be sued by the bank.

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