1. How to check the overdue credit card and be sued by the bank?

See if you have received a subpoena served by the court or go to the bank to inquire. If one party is sued for overdue credit card, it is a civil debt dispute. Advise the parties to repay the arrears as soon as possible, so that the bank will not sue the parties.

civil law

Article 4 12

If the debtor fails to perform the due debts or the realization of the mortgage agreed by the parties occurs, resulting in the mortgaged property being sealed up by the people's court according to law, the mortgagee has the right to collect the natural fruits or legal fruits of the mortgaged property from the date of sealing up, except that the mortgagee has not notified the debtor who should pay off the legal fruits.

2. Can I negotiate if my credit card is sued for overdue?

The credit card has been sued for overdue, which can be negotiated. If a party's credit card is overdue and the bank brings a civil lawsuit, the party may negotiate with the bank and reach a repayment agreement with the bank before the people's court makes a judgment. After the repayment agreement is reached, the bank may apply to the people's court for withdrawal of the lawsuit. As long as the bank voluntarily withdraws the lawsuit, the people's court will generally allow the bank to withdraw the lawsuit. So after the credit card is overdue, you can negotiate with the bank. As long as the bank agrees, the lawsuit can be withdrawn.

3. How to deal with overdue credit cards?

1. Actively cooperate with banks.

After the credit card is overdue, the bank will generally collect it, so we should actively cooperate with the bank. If the overdue amount reaches 50,000 yuan, the cardholder is deemed to have overdrawn maliciously and may be investigated for criminal responsibility. Therefore, after the credit card is overdue, it is recommended to actively cooperate with the bank for collection, inform the bank of the reasons why you are temporarily unable to repay, and indicate your willingness to repay, and see if you can apply for negotiation repayment.

2. Repay according to the minimum repayment amount.

Credit card users can pay back more or less every month. As long as credit card users have repayment behavior, they can avoid being considered as malicious overdraft by banks. Moreover, if the cardholder has repayment behavior, the bank will not easily sue the overdue users, and pay back a little more or less every month, which can let the bank see that we have the willingness to repay the arrears.

3. Actively negotiate repayment.

Try to apply to the bank for negotiated repayment. If you can't repay in full temporarily, you can apply for installment or deferred repayment. You should pay attention to explain the reasons for your overdue repayment and show your willingness to repay, so that you can have a chance to apply successfully. If the bank agrees to negotiate, you can repay the loan as agreed after negotiation.

If the credit card is overdue for a long time, it can be resolved through litigation. If the debtor wants to inquire whether he has been sued, he can go directly to the bank to inquire. If it is determined that he is overdue, he can negotiate with the bank to try to pay by installment or extend the bill date. As long as the negotiation is good, he can also reach the opportunity for the bank to withdraw the lawsuit.