1. What to do if your credit card is overdue and a lawsuit warning letter is sent to you. 1. After the credit card is overdue, if you receive a lawsuit warning letter from the court, the cardholder must find a way to pay off the debt as soon as possible. , don’t default on your debts again. 2. Otherwise, once the bank files a lawsuit in court and fails to repay the loan after the court's judgment, the court is likely to include the cardholder in the list of dishonest persons subject to enforcement. Once you become a dishonest person, your daily life will be affected, such as high consumption, travel, etc. There will be restrictions. 3. Everyone also needs to note that for serious cases, such as malicious credit card overdrafts and credit card fraud, you may need to bear certain legal liability. 4. If the customer really has no money to repay, he should take the initiative to contact the bank to explain the situation. If you really do not have the ability to repay, you are not overdue maliciously, and you have expressed your willingness to actively repay, the bank will consider it as appropriate and allow the customer to suspend the interest rate or delay the repayment or repay in installments. If you need a lawyer to intervene, you can consult a lawyer specializing in creditor's rights and debts.

2. How long does it take for a credit card to come to your door if your credit card is overdue? Generally speaking, we will come to your door 90 days after your credit card is overdue. In the initial stage when users are overdue, most banks will collect debt through text messages and phone calls. After 90 days, bank staff will come to collect debt or collect evidence to check whether the debtor has the ability to repay. It should be noted that if the user fails to repay the loan after two effective collections by the bank, the bank is likely to sue the user, and the user may be held criminally responsible or even sentenced to penalties, so it is recommended that people who owe money should still pay. Pay off your balance as early as possible to avoid too much trouble.

3. How long does it take for an overdue credit card to come to your door? 1. Pay off the debt immediately: Once you find that you are overdue in repayment, you should pay off the debt immediately, and then contact the bank customer service to inform the customer service that you are not maliciously overdue. , and have already repaid the debt, and applied to the bank not to report their overdue records to the credit report, and to ensure that the debt will be repaid as scheduled in the future, then as long as the user is overdue for the first time, generally the bank will agree to the user's repayment application. 2. Appeals can be made: If the user does not overdue maliciously, but finds that the bank has reported his overdue record to the credit report when he was overdue, the user can quickly contact the bank to explain the situation. After the bank recognizes the user's original , you can apply for credit reporting revocation and appeal to the credit reporting center. As long as there are supporting documents from the bank when making the appeal, the appeal can generally be successful. 3. Make use of the bank's time tolerance: As we said above, banks have a grace period, so users need to know the specific period of their credit card and the final repayment time to avoid going up for credit. 4. Credit coverage: If the fact that the credit report is filed is irreversible, the user does not need to worry at this time. The overdue repayment record will not accompany us. As long as the user guarantees that there will be no overdue repayment record in the future, then the user can After 2 years, your credit report will be covered, and after 5 years, the bad credit records will completely disappear from the credit system. Cardholders must find ways to pay off their debts quickly and avoid defaulting again. Otherwise, once the bank files a lawsuit in court and fails to repay the loan after the court's judgment, the court is likely to include the cardholder on the list of dishonest persons subject to enforcement. Once you become a dishonest person, your daily life will be affected, such as high consumption, travel, etc. If the customer really does not have the money to repay, he should take the initiative to contact the bank and explain the situation. If there is indeed no ability to repay, it is not a malicious overdue, and the bank has expressed its willingness to actively repay, the bank will consider, at its discretion, allowing the customer to stop paying interest or postpone repayment or repay in installments.