Ordinary credit card defaults are civil debt disputes. Before or during the court hearing, you should actively express your willingness to repay, negotiate with the bank as early as possible, and reach a repayment agreement. If you receive a real summons from the court, it means you are really being sued by the bank. If you do not appear in court within the stipulated time, the court will issue a default judgment in favor of the bank. If you choose to actively appear in court to respond to the lawsuit and explain your current financial situation or repayment plan, the court will organize mediation between the two parties based on your actual situation. As the party being sued, if you do not actively respond to the lawsuit and do not appear in court to participate in the trial, the court can make a default judgment and the court's decision will be sent to you. However, if you do not appear in court and do not negotiate a repayment plan, the bank will apply to the court for enforcement. A default judgment refers to a judgment made by the court in a civil lawsuit when one party is absent. The accused cannot conduct cross-examination, and cannot refute the facts claimed by the prosecution without appearing in court. You may bear the consequences of losing the lawsuit. Article 147 of the "Civil Procedure Law of the People's Republic of China" stipulates that if the defendant refuses to appear in court without justifiable reasons after being summoned by subpoena, or leaves the court midway without permission of the court, a default judgment may be made.