1. Will you be sued if you owe three thousand yuan to a credit card?

In fact, if the lending institution wants to sue the debtor, it will not be related to the amount of the debt. It doesn't matter. As long as the lending institution has evidence to prove that the debtor really owes money, even if he only owes 1 yuan, he can sue and the court will accept it.

If a cardholder owes a credit card debt of 3,000 yuan and has not paid it back for more than three months, the bank may choose to sue the cardholder if the long-term debt collection fails. However, the amount of arrears of 3,000 yuan is not a lot. After the cardholder is sued, the court will force the cardholder to repay.

Even if the cardholder claims that he has no money to repay, the court will force the cardholder’s property to be inspected for repayment. Most people can bear a debt of 3,000 yuan, so the cardholder will most likely not be listed as a defaulter by the court. However, the consequences of overdue credit cards are still serious.

First of all, there will be relatively high penalty interest. The longer the debt is in arrears, the higher the penalty interest will be. Secondly, it will affect the cardholder's personal credit report. The financial industry has a "three in a row, six in a row" approach to overdue payments. If the cardholder's credit card bill is overdue and has not been contacted for more than three months, it can still be remedied.

If the cardholder's credit card debt is overdue for more than 3 months, it will be considered a serious credit stain. Unless the cardholder pays off the debt and then waits five years, the stain on their credit will follow the cardholder for a lifetime. With this credit stain, it is difficult for cardholders to apply for other credit products.

2. What should I do if I receive a lawyer’s letter overdue from an online loan?

First of all, borrowers do not need to be too afraid. The main purpose of financial institutions issuing lawyer’s letters is to punish borrowers. Collection. If the borrower can negotiate with the financial institution, the financial institution will withdraw the lawsuit.

Moreover, even if the online lending institution sues the user, the court will arrange for the two parties to negotiate again, so as long as the negotiation is successful, there will be no major negative impact.

The correct approach is that the borrower should take the initiative to call the customer service or collection staff of the financial institution to express clearly his current financial situation, then express his willingness to repay, and ask whether the repayment can be negotiated. As long as the borrower is sincere in his repayment attitude and is indeed in financial difficulty, most financial institutions will agree to negotiate.

However, it should be noted that many financial institutions will send some fake lawyer letters in order to scare borrowers. After receiving the lawyer's letter, the first thing the borrower should do is to verify the authenticity.

After verifying the authenticity of the content, you should also check whether the law firm that sent the letter actually exists and whether the signature, seal and logo on the letter are fake. If the above content is correct, you can also directly call the contact information of the law firm and attorney shown on the lawyer's letter to verify its authenticity again.

If you have no money to repay a credit card debt, the party concerned can negotiate with a bank or other financial institution to repay it in installments or to postpone it; if the negotiation fails, you need to raise funds to repay it in accordance with the law. Otherwise, the bank and other financial institution can apply in accordance with the law. arbitrate or initiate civil proceedings against the parties. If the offender is in jail at this time, then family members can be asked to repay the debt on their behalf.