Step 1: See if you have repayment ability. If you are sued by the bank because your credit card has not been returned, first check whether you have enough funds to repay it, and then make a repayment plan according to the specific situation. Step 2: Pay off the debt as soon as possible or negotiate with the bank. If you have enough repayment ability, you should repay as soon as possible. Bank prosecution is often just to make the parties repay as soon as possible, which is a civil dispute. Therefore, as long as the debt is paid off, there will be no major problems, and the parties do not need to bear any criminal responsibility. Although you may have left a bad credit record on your credit report, it is good to improve your credit slowly afterwards. But if you don't have enough repayment ability, you should also consult the bank as soon as possible. As long as you take the initiative to express your willingness to repay, the bank will generally accommodate you for a period of time to repay, and it is also very likely to withdraw the lawsuit. As long as the repayment period is agreed with the bank, the repayment can be made according to the agreed repayment plan.