1. What to do if you owe a credit card and are sued by the bank

First, check whether you have enough funds to repay the debt, and pay off the debt as soon as possible Or negotiate with the bank. If you have sufficient repayment ability, you must repay as soon as possible. Bank lawsuits are often civil disputes. They are just to allow the parties to repay as soon as possible, not to force the cardholder to go to jail. So as long as you pay off the debt, there won't be any big problem.

If you are unable to repay the loan in full, you should consider negotiating with the bank. First, take the initiative to contact the bank to withdraw the lawsuit. As long as the debtor does not disappear and actively expresses his commitment to repay, the bank will still be able to negotiate. During the negotiation, explain your personal situation clearly to the bank and negotiate a repayment method. For example, apply for continued deferment of repayment, installment repayment, minimum repayment, etc.

2. What should I do if I am sued by a bank for credit card debt?

It is impossible to entrust every sued case to a local branch because this is too costly and inefficient. too low. Therefore, the vast majority of credit card dispute prosecution cases are conducted in the local court of the bank’s head office. Basically, no one still has the time and energy to go to other places to respond when they owe a credit card, and there will be no impact in other places.

Whether I appear in court actually has little impact on the outcome of the court's decision. It doesn't matter if I don't go, but I will miss the opportunity for negotiation. If conditions permit, you can submit a jurisdiction objection application to the court. If the application is successful, and the bank still wants to sue you, it can only do so at your place of residence.

3. Can I go abroad if I am sued by the bank for credit card debt?

If the bank does not sue, or the court does not issue an exit restriction order, I can still go abroad. If the bank sues and the court has issued an exit restriction order, you will not be able to leave the country. To put it bluntly, there is no reason not to repay the money you owe to the bank. If you are unable to repay, you can negotiate with the bank. If you try to avoid it, it is illegal.

If there is a situation where you secretly withdraw money to avoid bank collection or tracing, it is likely to involve a malicious overdraft for the purpose of illegally possessing a credit card. When the amount of debt is more than 50,000, you are likely to be criminally liable. . Therefore, don’t think about going abroad in this case.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong. I wish you success in safeguarding your rights.