Legal analysis: Under normal circumstances, if a bank sues an overdue credit card, the probability of the cardholder losing the lawsuit is very high, because it is natural to pay back the money now. Since you have a credit card, you should abide by it. Credit card contract, repay on time.

If the cardholder loses the lawsuit, then the litigation costs of the lawsuit will be borne by the losing party, that is, by the cardholder. If the two parties reach an agreement after mediation by the court, then the litigation fees will be borne by both parties through negotiation. If the bank withdraws the lawsuit, then the fees will be borne by the bank, but it can be halved.

Legal basis: "Measures for the Payment of Litigation Fees of the People's Republic of China" Article 29 Litigation expenses shall be borne by the losing party, unless the winning party voluntarily bears them.