1. What to do if the credit card is not sued?

Credit card cannot be sued. It is best if you can borrow money from relatives and friends to repay the debt. If The court has not filed a case to suggest that you or try to negotiate with the bank. Take the initiative to contact the bank to inform them of their financial situation and provide relevant proof. As long as the situation is true, the bank will consider it as appropriate.

But the bank may not agree to negotiate repayment. After all, banks go through a series of collections before being sued. If you are sued, it means that the cardholder has little willingness to repay. At this time, we can only respond positively to the lawsuit and do not want to bear more serious consequences. We can only repay the debt in accordance with the court's judgment.

2. Can’t afford to pay off the credit card. How to negotiate with the bank?

If we cannot afford a credit card, it is very important that we contact the bank to negotiate repayment as soon as possible instead of waiting until the bank repeatedly calls for collection before applying for negotiated repayment. For example, if you are hospitalized due to illness, you will not only miss work, but also spend a lot of money. If you cannot pay off your credit card for a while, you should quickly contact the bank to explain the reason.

Then it is stated that if you want to negotiate repayment, you can first apply for services such as extending the repayment period, repaying in installments, or suspending interest and hanging accounts, and then pay off the debt after the capital turnover begins. If you estimate that you will not be able to pay off your debt within a short period of time, you can also work out a personalized repayment plan with the bank. Generally, as long as it is not maliciously overdue, the bank will consider it as appropriate.

3. What is the most appropriate way to deal with the problem of not being able to pay back the credit card?

The most appropriate way to deal with it is to use the minimum repayment function

If you cannot afford the credit card, you should ignore it. , it is recommended that you can use the minimum repayment function, one can alleviate the current repayment pressure, and the other can also avoid overdue impact on their personal credit investigation, killing many birds with one stone until the money is still available.

It is worth noting that the minimum repayment bank will charge liquidated damages. Most banks charge a penalty of 5% of the outstanding balance, which is a good choice for friends who cannot repay their debts within a short period of time. If you do not repay for a long time, it is recommended to negotiate with the bank for repayment.

If you are sued for overdue payment, please consult a legal advisor below for one-on-one online communication to resolve the case.