The handling method of credit card prosecution is as follows:

1. Contact the bank: Before receiving the indictment, you can contact the bank to explain the reason for the overdue payment and promise that the debt will be refunded. If the loan is repaid, apply to the bank to withdraw the lawsuit.

2. Mediation: If the bank agrees to the request, mediation needs to be carried out according to the bank's requirements.

3. Prepare evidence: If you need to provide evidence, you need to prepare relevant evidence before the court session to prove your willingness to repay and the reason for the overdue payment.

4. Appear in court to respond: If you need to appear in court to respond, please appear on time according to the court date on the summons.

A lawsuit needs to meet the following conditions:

1. There is a legal claim: that is, the plaintiff needs to make a legal request or claim, such as requesting the return of the loan, confirming the validity of the contract, etc. ;

2. Qualifications as a subject of litigation: that is, the plaintiff needs to be a party stipulated by law and have litigation rights and obligations, such as the party himself, a legal agent, an authorized agent, etc.;

3. There is a clear defendant: that is, the prosecutor needs to confirm the identity and name of the defendant, and unknown people cannot be named as defendants;

4. There are clear facts and evidence: that is, the prosecutor needs to provide clear Facts and evidence to prove the establishment of one's litigation claims, such as contracts, evidentiary materials, witness statements, etc.;

5. There are legal litigation procedures and legal deadlines: that is, the plaintiff needs to file a lawsuit in accordance with legal procedures, And complete the litigation procedures within the statutory time limit;

6. There are no legally prohibited situations: that is, the plaintiff's claims must not violate laws, regulations, public order and good customs.

To sum up, the processing after credit card prosecution needs to be carried out in a timely and effective manner so as not to affect personal credit records and life. It is recommended that during the processing process, you carefully understand the relevant laws, regulations and policies, and correctly handle the debt relationship between yourself and the credit card company.

Legal basis:

Article 676 of the "People's Republic of China and Civil Code"

The borrower fails to return the loan within the agreed time limit , overdue interest shall be paid in accordance with the agreement or relevant national regulations.