First, what should I do if my credit card is overdue and all kinds of text messages say that I will sue?

If my credit card is overdue and all kinds of text messages say that I will sue, we can first verify whether we are really being sued. If we are sued, we need to actively repay the debt and let the bank withdraw the lawsuit.

if things have reached the stage of going to court, we need to actively respond to the lawsuit and cooperate with our work. If the court decides, if we can afford it, we should repay it in time, otherwise, once the bank applies for compulsory execution, the court will auction our house, car and other property, and then convert this part of the money into execution money and repay it to the bank.

2. Is it true or not that the credit card is overdue?

If the bank sends a text message saying that we are going to sue because we are overdue, it may just be a trick for the bank to ask us to repay. Because prosecution is not the purpose of the bank, but the means of the bank. If the bank has not received the arrears, it may sue the parties to return the corresponding money.

Whether the bank will really sue depends on whether the bank is ready. If the bank has collected all kinds of materials, it is indeed possible to take the cardholder to court.

third, how to negotiate with the bank to solve the overdue credit card

for the return of related funds after the overdue, we can negotiate with the bank to return the money.

generally speaking, if you want to negotiate with a bank, you can negotiate with the bank by calling its hotline. At the same time, some banks will choose to collect credit cards at home. If credit cards are collected at home, we can negotiate with the collection staff, which can also effectively solve the problem.

The consequences of overdue are still very serious. If you don't handle it in time, you may face litigation risks. Contact legal counsel to solve your overdue troubles.