Legal analysis: cardholders should not panic after entering the legal processing stage. At this time, there is still a chance to remedy. Cardholders can take the initiative to call the issuing bank to negotiate repayment. As long as the negotiation is successful, the bank will naturally cancel the preparation for prosecution, and the cardholder can make repayment as agreed. If the cardholder does not want to contact the bank and has the ability to repay, he can also pay off all the debts of the credit card directly, and the bank will automatically withdraw the lawsuit. In short, for banks, the ultimate goal of prosecution is only to make cardholders repay as soon as possible. As long as the cardholder repays, the bank will not continue to sue.

Legal basis: Article 2 of People's Republic of China (PRC) Civil Procedure Law The task of People's Republic of China (PRC) Civil Procedure Law is to ensure that the parties exercise their litigation rights, ensure that the people's courts find out the facts, distinguish right from wrong, correctly apply the law, try civil cases in time, confirm the relationship between civil rights and obligations, punish civil violations, protect the legitimate rights and interests of the parties, educate citizens to consciously abide by the law, maintain social and economic order, and ensure the smooth progress of socialist construction.