1. How to withdraw the lawsuit if you are sued for overdue credit card payment

If you are sued for credit card debt, you can withdraw the lawsuit. The details are as follows:

1. If If the debt is paid off, the bank can withdraw the lawsuit. After all, the bank only requires repayment of the debt. If the bank files a civil lawsuit to the court, the court should decide whether to accept it within 7 days from the date of receiving the litigation materials.

2. If the amount owed reaches the amount stipulated by law and is not returned for more than 3 months after two collections by the bank, it will constitute a crime of credit card fraud and cannot be dismissed, and you should bear criminal liability.

2. How long will it take before you call your family if your credit card is overdue?

1. After the credit card is overdue, the bank may not necessarily make a collection call. For the cardholder’s early overdue behavior, the overdue time will be Within 7-15 days, collection is mainly done through text messages. If the cardholder is overdue for more than 30 days or for more than one billing period, the bank will call to collect and remind the repayment through phone calls. However, this call is usually made directly to the cardholder, not to the cardholder's home. people.

2. As for how long it will take to call family members overdue, usually the bank will only call the cardholder after the cardholder is overdue for more than 30 days, and the bank has failed to collect the payment and cannot contact the cardholder. The family can find a breakthrough here, that is, call the family and ask the family to tell the cardholder to repay the card as soon as possible. However, some banks will also ask the cardholder's family to repay the card for the cardholder.

3. Especially for the spouse of the cardholder, the bank may require the other party to repay the cardholder, and this behavior is permitted by law. The property acquired during the marriage relationship belongs to both husband and wife jointly, and correspondingly, the debts incurred are also jointly borne.

4. In addition, the cardholder’s overdue behavior will also affect the spouse’s credit report. If one of the couple has been overdue, it may be possible to apply for a loan to buy a house or a car in the future. affected.

3. Consequences of overdue credit cards

1. Overdue penalties include not only liquidated damages, but also full penalty interest on the bill (daily interest rate of 0.5%, interest will be calculated starting from the day of consumption, and will be recovered on a monthly basis) interest until the principal and interest are repaid) will also produce a bad credit record in the Credit Reference Center of the People's Bank of China, and it will be difficult to apply for credit cards and bank loans within 5 years.

2. If you are overdue for more than three months or fail to repay more than two bank reminders, the bank will freeze your card and list you as a prohibited customer (blacklist), and you will also be prosecuted. Your credit card fraud and malicious overdraft will be enforced by the court. If you refuse to repay after being sued and the amount owed exceeds RMB 10,000, the court will impose a sentence based on the crime of credit card fraud, Article 196 of the Criminal Law.

If your credit card is overdue and you do not actively contact the credit card center or express your willingness to repay, you will be sued by the bank and taken to court. However, before the court gives the final result, both parties can conduct corresponding negotiations or mediation. After reaching an agreement, they can apply to the bank to withdraw the lawsuit.