generally, there are six steps as follows: 1. The card-holding bank brings a lawsuit to the people's court where the cardholder lives; 2. After the people's court accepts the prosecution request of the card-holding bank, it will send a notice of proof to the cardholder; 3. The cardholder goes to the court to give evidence; 4. The people's court sends a summons to inform the cardholder of the place and date of the court session; 5, the people's court hearing, lawyer debate; 6. Make a judgment.

article 12 of the civil procedure law of the people's Republic of China * * * a complaint shall be submitted to the people's court for prosecution, and a copy shall be submitted according to the number of defendants.

if it is really difficult to write a complaint, it can be brought orally, which will be recorded by the people's court and the other party will be informed.

Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management Article 6 If a cardholder overdraws beyond the prescribed limit or within the prescribed time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.