1. What to do if you receive a lawsuit against an overdue credit card

If you are sued over an overdue credit card, you can handle it in the following ways:

1. The party concerned can ask the bank whether the lawsuit can be withdrawn. If the bank is willing to withdraw the lawsuit, the party concerned should repay the loan as soon as possible. If he is unable to repay, he can reach an installment repayment agreement with the bank;

2. The bank does not agree to withdraw the lawsuit. If a lawsuit is filed, the parties concerned shall actively respond to the lawsuit, submit a statement of defense to the People's Court within the statutory period, and then appear in court to participate in the litigation to safeguard their legitimate rights and interests. After the judgment issued by the People's Court becomes effective, the parties concerned shall also actively perform their obligations in the judgment.

2. What to do if your credit card is overdue

1. Actively cooperate with the bank. When a credit card is overdue, the bank will usually call for collection, and we must actively cooperate with the bank. If the overdue amount reaches 50,000 yuan and the cardholder is deemed to have maliciously overdrafted, he may be held criminally liable. Therefore, after your credit card is overdue, it is recommended to actively cooperate with the bank's collection, inform the bank of the reasons for your temporary inability to repay, and express your willingness to repay to see if you can apply for negotiated repayment.

2. Credit card users can repay more or less every month. As long as the credit card users have repayment behavior, they can avoid being considered as malicious overdrafts by the bank. If the cardholder has repayment behavior, the bank will also We will not sue overdue users easily. We will pay a little more each month to show the bank that we are willing to repay the debt.

3. Try to apply to the bank for negotiated repayment. If you are temporarily unable to repay in full, you can apply for negotiated installment or deferred repayment. When negotiating repayment, you must explain the reason for your overdue payment and indicate that you will repay the loan. You must be willing to pay and have a sincere attitude towards negotiation, so that you have a chance to succeed in your application. If the bank agrees to negotiate, then you can repay according to the agreement after negotiation.

4. Try every means possible to pay off the debt in one go. Overdue credit cards will incur interest charges. If the overdue balance is not paid off for one day, interest charges will be incurred for one day. Therefore, in this case, it is recommended to borrow money from relatives and friends around you to pay off the debt in one go, and then Slowly repay your friends and family.

When everyone mentions overdue credit cards, they immediately think of credit reporting. Indeed, in the Internet era where personal credit reporting is paramount, personal credit reporting has always been a topic of intense concern to everyone. Once your credit card is overdue, it will be reported to the central bank's credit reporting system by your bank, leaving a serious bad credit record on your personal credit, and these bad credit records will have serious consequences for everyone. I think everyone is clearly aware of the impact, and sometimes it can be serious and even affect their own family members.