It usually takes up to three months from the time of filing an overdue credit card lawsuit to the court hearing. If a cardholder is sued by the bank for malicious overdue behavior, the court will file the case for hearing within three months at the latest. During this period, both parties can conduct full mediation and negotiation work. If the two parties reach a mediation agreement, the court will issue a mediation agreement, which is also effective in the court.

1. How long does it take to file an overdue credit card lawsuit and go to court? It usually takes three months. 1. The time from credit card lawsuit to court hearing depends on the court's procedure for hearing the case. After the indictment is delivered to the court, it should review the case within seven days and decide whether to accept it or not. The parties should be notified and the court will be held within three months. The bank will compile the litigation materials and submit them to the court. A lawsuit was filed in court. 2. The court will decide whether to accept it within 48 hours. If accepted, a filing receipt will be issued. If it does not accept it, it will explain why it does not accept it. If the defendant is able to contact and is willing to mediate, and if both parties can reach an agreement before the trial, the decision will be determined based on the mediation results. 3. If an agreement cannot be reached, a court hearing will be arranged. Once the bank accepts the lawsuit, it will ask the clerk to call defendants who can be contacted. Before the formal hearing, the court will organize pre-litigation mediation.

2. How to deal with overdue credit card lawsuits? After the bank sues you, there will be a long time until the court session. You have sufficient time to mediate with the bank before the court session. At this time, you only need to pay back the money with interest, and the bank will be satisfied and withdraw the lawsuit in the next second. Of course, if you had money, you probably wouldn't delay it to this point. At this time, you need to take a positive attitude towards repaying the money, communicate and negotiate with the bank, explain that you did not overdue the loan maliciously, but you just have special financial difficulties, and request an extension of the deadline and a personalized installment. First, take an overview of your debts and see how much you can repay based on your current level. Then try your best to repay part of it and show your sincerity to the bank. The remaining negotiated installments are not so easy to negotiate. You must at least be unemployed, bankrupt due to the epidemic, seriously ill, etc. before you can negotiate. After all, if you overdraw your credit card arbitrarily, the bank will not pay for your selfish desires, so you should sue. If you cannot reach an agreement through negotiation, or do nothing and just wait until the court hearing, you should be mentally prepared.

3. Will you be imprisoned if you sue for an overdue credit card? You may be imprisoned if you are sued, but you will only be imprisoned for credit card fraud with a principal of more than 50,000 and malicious overdraft. The overdue logistics team will answer calls from the bank, and even take the initiative to pay off a little from time to time, but it is difficult to finish the payment, and you will disappear directly after the due date. The nature of such malicious overdue payments is definitely different. So please note, don’t avoid collection after the due date. If there is no malicious overdraft, or the principal of the debt is less than 50,000, the highest probability of not paying back the money after such a lawsuit is not to go to jail, but to become a person subject to execution for breach of trust, that is, to be a defaulter, and the consequences will be quite uncomfortable. . It can be seen that it usually takes about 3 months from the time the user overdues the payment to the time he is sued by the bank for a court hearing. If you pay a small amount every month during the overdue period, and the collection call is responded to, you promise to try your best to repay, and the bank will not sue the party for the time being. Therefore, you still need to have a positive repayment attitude to avoid legal proceedings from the bank.