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What to do if you receive a credit card subpoena

When a court summons is received for an overdue credit card, it means that the bank has begun legal procedures and initiated prosecution. The main function of a subpoena is to inform the defendant of the court date, the time to complete evidence, and the content of the case. This is the first briefing in the proceedings. Regarding the question "What should I do if my credit card is overdue for several months and I receive a subpoena?", we have professional lawyers who can provide solutions. You can click the consultation button at the end of the article for consultation.

1. What to do if your credit card is overdue for several months and you receive a summons. It’s actually very simple, just don’t panic or run away. After all, you have to pay back the money you owe. No matter what, face it positively. So adjust your mentality, don’t panic, don’t ignore it, and do the following process first. First, verify the authenticity of the court summons. After all, collection agencies now like to pretend to be public prosecutors, so it is necessary to verify the authenticity. Specifically, look at the official seal. Anything without an official seal is fake. Thirdly, look at the case number. Anything without a case number is also fake. If so, then call and ask. Find the phone number of the court that sent you the subpoena on the Internet, call and report your case number and let them check the authenticity. Don't be embarrassed or worry about anything. This is the obligation of the court. If it is false, then fix the evidence and then accuse them of impersonating the public prosecutor. This is not a small crime. If it is true, there is no need to panic about the next steps. Check the location of the court. If it is far away from you and it is inconvenient for you to go there, and you have not gone to that place, you can file an objection to the jurisdiction of the court. You can search online for how to write it, and then send it to the court by postal courier. Remember to use the postal code and Keep the courier receipt. If it's not far from you, go ahead and you can ask for mediation first. Ask the bank to give you an installment of up to 60 months. This is supported by law, and you don’t have to worry about the judge not supporting you. You have no choice but to go and the judge will force the bank to accept your terms. After all, the judge also has a mediation rate. Then we can put everything aside, work hard to make money, and get ashore as soon as possible. Never fail to pay back any money you owe. In addition, the installment agreement should not be breached twice, so we must choose the installment according to our own strength.

2. What to do if you can’t afford to pay off too many credit cards? 1. 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. 2. Use the installment function. If you are under pressure to repay, you can directly apply for bill installments. Generally, banks provide 3, 6, 9, 12, 18, and 24 installments. You can choose the number of installments according to your repayment ability, so that you can Ease repayment pressure and won't affect your credit. 3. Change the billing date to extend the repayment period. The billing time cannot be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, and some banks can only change it once. 4. 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. For credit card insolvency, different situations should also be distinguished to determine the individual's inability to pay. Generally, criminal liability is not involved, but if there is fraud, then prosecution and judicial decisions need to be reviewed. The specific circumstances may be punished according to the actual situation of the judicial organs.