Leading to a series of serious consequences such as default judgment, enforcement, damage to credit record, legal liability and damage to social reputation. 1. Default Judgment

When a bank is sued to court for an overdue credit card and the defendant (i.e. the overdue person) fails to attend the trial, the court has the right to make a default judgment based on relevant evidence and legal provisions. This means that overdue persons will lose the opportunity to defend themselves, and the court will make a judgment based on the evidence and claims provided by the bank.

2. Enforcement

If the court decides that the overdue party loses the case and orders it to perform its repayment obligations, but the overdue party still fails to perform, the bank can apply to the court for compulsory execution. Enforcement measures may include seizing, freezing, or even directly auctioning off the property of an overdue person to repay the debt.

3. Damage to credit record

Overdue credit card itself has had a negative impact on the credit record of the overdue person. If you are prosecuted for this and miss the trial, this record will be further deteriorated. Damage to the credit record will affect the overdue person's future financial activities such as loans and credit card applications, and may even affect his career development and daily life.

4. Legal Liability

In addition to the above-mentioned civil liabilities, overdue persons may also face criminal liability. According to the relevant laws and regulations of our country, refusing to repay a credit card overdue may constitute the crime of credit card fraud. Once convicted, you will be subject to criminal penalties.

5. Damage to social reputation

Being sued and absent from the court hearing may damage the reputation of the overdue person in society. This will not only affect their personal image, but may also have a negative impact on their family, relatives and friends.

To sum up:

Failure to go to court if your credit card is overdue and you are sued, may lead to default judgment, enforcement, damage to your credit record, legal liability and damage to social reputation. and a series of serious consequences. Therefore, when faced with being sued for overdue credit cards, overdue persons should actively respond and appear in court to defend themselves and fight for their legitimate rights and interests.

Legal basis:

"Civil Procedure Law of the People's Republic of China"

Article 144:

If the defendant refuses to appear in court without justifiable reasons after being summoned, or leaves the court midway without the permission of the court, a default judgment may be made.

"Criminal Law of the People's Republic of China"

Article 196 stipulates:

Carry out credit card fraud under any of the following circumstances: , where the amount is relatively large, the sentence is to be not less than five years in prison or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; A fine of not less than 10,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a counterfeit credit card;

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.