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Overdue credit card initiates legal proceedings

Legal analysis: 1. Prosecution. It is usually a written complaint with a clear defendant, specific claims, facts and reasons. 2. Acceptance. After review, the court deemed that the legal conditions were met and decided to file the case. 3. Preparation before trial. A summons is served to the defendant, the defendant files a statement of defense, the two parties exchange evidence, and the court allows mediation on its own. 4. Open court. Trial preparation, court investigation, court debate, review and sentencing.

Legal basis: "The Provisions of the Supreme People's Court on Strictly Regulating the Issues of Extended Trial Limitations and Postponement of Trial Sessions in Civil and Commercial Cases" Article 4 The basic people's courts and their dispatched tribunals have clear trial facts and clear rights and obligations. Simple civil and commercial cases with little controversy shall be subject to simplified procedures. Basic people's courts and their dispatched tribunals shall apply simplified procedures when hearing civil and commercial cases that comply with the provisions of the preceding paragraph and the subject amount is less than twice the average annual salary of employees in each province, autonomous region, or municipality in the previous year. Laws and judicial interpretations provide that summary procedures shall not apply. Exceptions are made for procedural cases. For civil and commercial cases that are subject to simplified procedures, pre-trial preparation procedures such as evidence exchange and pre-trial conferences will be conducted together with the court proceedings and will not be organized separately. For cases that are subject to simplified procedures, public notice service is not applicable.