1. What to do if you receive an indictment for an overdue credit card

If your credit card is overdue and you are sued, you can handle it as follows: The party can ask the bank whether the lawsuit can be withdrawn. If the bank is willing to withdraw the lawsuit, the party concerned should repay the loan as soon as possible. If he is unable to repay, he can reach an installment repayment agreement with the bank. If the bank does not agree to withdraw the lawsuit, the parties concerned shall actively respond to the lawsuit, submit a statement of defense to the People's Court within the statutory time limit, and then appear in court to participate in the lawsuit to safeguard their legitimate rights and interests. After the judgment issued by the People's Court takes effect, the parties concerned shall also actively perform the terms of the judgment. obligation.

2. The process of prosecution for overdue credit card

The process for prosecution for overdue credit card:

1. After the credit card is overdue, the bank will first conduct a 3-6 month investigation on the overdue user. collection period.

2. If the cardholder still does not repay the money after reminders, there will be two situations: one is to classify it as a bad debt and the date for prosecution is to be determined; the other is to prepare to submit materials for prosecution.

3. After receiving the bank’s request for litigation, the court will investigate the truth. If the court’s investigation determines that the cardholder has been in arrears with repayment for a long time, the court will ask the bank for the cardholder’s personal information. .

4. The bank needs to prepare the litigation materials and then submit them to the court

5. After the court receives the bank’s litigation materials, it will usually review and approve them within 7 days. If the court approves After accepting the case, summons and litigation materials will be issued to overdue users.

6. After receiving the subpoena, the cardholder can apply for out-of-court mediation with the bank to negotiate repayment matters. If the negotiation cannot be reached, the case will be heard, held in court, and judged.

7. After a civil judgment, if the overdue user still fails to repay within the time limit specified in the judgment, the bank has the right to apply for enforcement.

8. When accepting compulsory execution, the court will inquire about the real estate, cars, securities and deposits under your name in accordance with the law

9. There is no property in your name that can be executed and you If you also refuse to fulfill the effective judgment of the court, you will be restricted from flying, high-speed rail, high consumption, entry and exit, and may even be detained by judicial authorities for 7-15 days.

10. If the person has the ability but refuses to execute the sentence, the person suspected of refusing to execute the judgment or ruling (malicious debt evasion) may be sentenced to fixed-term imprisonment of not more than 3 years in serious circumstances.

If you are sued due to an overdue credit card, the cardholder needs to actively respond to the lawsuit and negotiate with the creditor. If the solution is resolved, it can be dealt with in the form of minimum repayment or installment payment. Therefore, for You must know how to protect your own rights and interests, and if you really owe money to others, you must repay it as soon as possible.