1. What should I do if I cannot pay off my bank credit card?

1. Borrow money from relatives and friends to repay the debt.

2. Apply for deferred repayment. When unexpected situations occur, such as illness, hospitalization, unemployment, etc., you can contact the bank customer service. Just tell customer service your true situation and then apply for a deferral of repayment.

3. Apply for interest-free and installment repayment. When the situation is serious and repayment is relatively difficult, you can contact the bank customer service. Provide relevant materials to apply for suspension of interest payments and repayment in installments.

4. Negotiate with the bank to reduce credit card debt.

2. What are the conditions for applying for interest suspension and hanging debt if you owe a bank credit card and have not paid it back?

1. The user has confirmed that the credit card debt exceeds his or her repayment ability;

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2. The user has the willingness to repay;

3. There needs to be a more appropriate reason.

3. What should I do if I am sued for not being able to pay off my credit card?

1. If you are able, you should pay the late payment fees and corresponding interest on the credit card and let the bank withdraw the lawsuit;

2. If you are unable to repay the loan in full, you should take the initiative to negotiate a settlement with the bank, withdraw the lawsuit, customize a repayment plan, and actively repay the loan;

3. If you have no money to repay and have not reached a settlement with the bank If the situation arises, you should actively cooperate with the lawsuit. Except for credit card fraud involving malicious overdrafts, general overdrafts are just civil disputes and will not lead to jail time. However, if it is necessary to prove that the overdraft is not malicious and actively defend it, the court will generally mediate it as a civil dispute;

4. After the court makes a judgment, if you are indeed unable to perform it within a short period of time, you must face it actively and cannot escape.

4. Can I entrust an agent if I am sued for not being able to pay back my credit card?

Yes, the defendant can entrust the following persons to be the litigation agents:

(1) Lawyers and grassroots legal service workers;

(2) Close relatives or staff of the parties involved;

(3) Citizens recommended by the communities, units and relevant social groups where the parties are located.

5. What are the circumstances under which the court session can be postponed after an overdue credit card lawsuit?

1. The parties who must appear in court and other litigation participants do not appear in court for legitimate reasons;

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2. The party concerned temporarily files an application for recusal;

3. It is necessary to notify new witnesses to appear in court, obtain new evidence, re-identify and inspect, or require supplementary investigation;

4. Other circumstances that should be postponed.

There are many reasons why credit card debt cannot be repaid. Some cardholders are temporarily unable to pay off their debt due to unexpected circumstances, such as unemployment or illness and hospitalization. However, there are also a small number of cardholders. When you use a credit card, you know that you are insolvent. If you use a credit card for the purpose of illegal possession, you may be sentenced.