Credit cards are a double-edged sword. Everyone should use credit cards reasonably for consumption and consider their own financial situation. If the credit card is overdue, the bank will sue the cardholder. If the credit card is overdue, the court will sue. What to do before mediation? At this time, we must actively cooperate and coordinate with both parties to reach an agreement. We can sign a repayment agreement and the bank will withdraw the lawsuit. Let me give you the detailed answer below.

1. What to do if you are sued for overdue credit card through pre-trial mediation 1. Cardholders should actively cooperate and coordinate. This is a good way of coordination, and reaching an agreement with the bank is a relatively good solution. 2. If the credit card debt is overdue and is notified by the bank to file a lawsuit in court, the cardholder can proactively contact the bank to negotiate the credit card repayment issue. If both parties reach an agreement, they can sign a repayment agreement and the bank will withdraw the lawsuit.

2. How to deal with long-term non-repayment of credit cards 1. If the credit card is not repaid, you can apply for a payment order. Applying for a payment order is one of the effective ways to recover the arrears. 2. If a creditor requests the credit card debtor to pay money or securities and meets the following conditions, he may apply for a payment order to the grassroots people's court with jurisdiction: (1) The creditor and the credit card debtor have no other debt disputes; (2) The payment order can be When served to the credit card debtor; (3) The application shall state the amount of money or securities requested and the facts and evidence on which it is based. 3. The creditor orders the credit card debtor to pay off the credit card debt within 15 days from the date of receipt of the payment order, or submit a written objection to the people's court. If the credit card debtor does not raise objections and fails to fulfill the payment order within 15 days, the people's court can act on the creditor's application. 4. It can be seen that the biggest advantage of applying to the People's Court for a payment order to recover arrears is that it takes a short time and has quick results. Of course, if the credit card debtor files a written objection to the People's Court within the statutory time, it must be handled through litigation procedures. This can well protect claims in credit card debt disputes.

3. What to do if the credit card universal balance cannot be paid 1. Explain the situation to the bank in advance and try to negotiate repayment, ask what the current minimum repayment amount is, and ask the bank whether the minimum repayment amount can be paid first. 2. Ask the bank if the installment can be extended to reduce the current repayment pressure. 3. If the negotiation fails, users can transfer money to friends, relatives, and family members and repay the money as soon as possible to avoid incurring more interest. 4. Use the minimum repayment function. Every bank has a minimum repayment function. As long as the minimum repayment is paid, the bank will not charge late fees and will not affect your personal credit. However, interest will be charged for repaying the minimum, which is 50% interest per day. Therefore, as long as you repay the minimum, although the pressure will be reduced, compound interest will occur, which will be relatively troublesome, and it can only be used as a temporary delay. 5. Take the initiative to explain the situation to the bank and negotiate. If you are indeed unable to repay for a period of time due to special circumstances such as work, you can take the initiative to call the bank and explain the reason. Prove that you are not malicious in refusing to repay, but there is indeed a reason. Discuss whether you can delay the repayment. Do not ignore the bank by changing your phone number. , this way my personal credit is gone, unless I will never deal with banks again. Cardholders should actively cooperate and coordinate. This is a good way of coordination, and reaching an agreement with the bank is a relatively good solution.