It is reasonable. If the cardholder loses the lawsuit, the legal fees for the lawsuit will be borne by the losing party, that is, by the cardholder. If the two parties reach an agreement after mediation by the court, then the litigation fees will be borne by both parties through negotiation. If the bank withdraws the lawsuit, then the fees will be borne by the bank, but it can be halved. Obviously, you will definitely suffer a loss, because bank credit cards are spent first and then repaid, so the responsibility must be on your side. For the loss, according to the provisions of the "Measures for the Payment of Litigation Fees": you have to bear the litigation costs. After all, the bank It is not a charity and cannot bear this cost for you.

The consequences of overdue bank cards: 1. High overdue interest will be incurred. 2. You will be sued by the bank and you will suffer economic losses, such as legal fees, attorney fees, etc. 3. The individual will have a bad credit record, which will have an impact on future bank cards and loans. 4. If the amount owed exceeds RMB 10,000, it shall constitute the crime of credit card fraud and shall be investigated for criminal liability in accordance with the law.

Litigation expenses refer to the expenses incurred in filing a lawsuit, including fees for accepting cases, applying for preservation, enforcement, etc., investigation fees, appraisal fees, publicity fees, translation fees, and transportation fees for witnesses, appraisers, and translators to appear in court. , accommodation expenses, living expenses, compensation for lost work time, and the actual expenses incurred by the people's court during the execution process.

Attorney fees, that is, lawyer agency fees, refer to the remuneration that a lawyer should receive from a law firm for representing a client. The attorney should collect uniformly in the name of his or her law firm and may not charge attorney's fees privately, which are separate funds to handle this situation. The lawyer's necessary expenses for handling the entrusted matters must still be borne by the client; lawyer service fees are negotiable and the civil agency fees incurred based on the client relationship are negotiable. The specific charging standards refer to the local lawyer charging standards and government guidance prices.

In short, it is natural to repay debts. Since you have applied for a credit card, you should abide by the credit card contract and repay on time. Otherwise, you will be in a lot of trouble if you are actually sued later.