Hello, question author, I am honored to answer your questions. First of all, the credit card is overdue for more than half a year, that is, more than 180 days. It is obvious that the debt has become a bad debt and has reached the level that must be dealt with, because once it is deemed to be a bad debt, you can say that it is a bad debt in your life. I have no luck with the bank's services.

If the amount involved is relatively large and it is overdue to this stage, the bank is very likely to sue or report the case. But there are also some debt collectors who will use such means to "threaten" you. Use Weixin to find "Richabao" to check your judicial information and determine whether the bank has actually reported the case or filed a lawsuit.

If you have really reported a case or filed a lawsuit, you must communicate and negotiate with the bank in a timely manner. It is best to repay part of the debt first. This will help the bank withdraw the lawsuit, and it will not be considered a credit card even if it is dealt with in court. Scam. Hope this helps.

Because the question owner only mentioned the two keywords of credit card overdue and filing notice, the answer can only be based on the content related to these two keywords.

First of all, one issue that needs to be clarified is what a case filing notice is. Under normal circumstances, if your credit card is overdue, even if the card-issuing bank goes to the People's Court to sue you, the People's Court will only issue a case acceptance notice, and this case acceptance notice will only be given to the plaintiff, that is, only to the plaintiff. Go sue the card-issuing bank. If the case filing notice you mentioned is a case filing acceptance notice, it would be a bit strange.

Secondly, I have seen many previous respondents saying that the notice of filing a case is from the public security, so you don’t have to worry about it. I want to say that they really don’t understand or they want to deliberately harm the person who asked the question. If the case filing notice received by the subject was issued after the public security case was accepted, then according to what the subject said was due to an overdue credit card, the only possibility for the subject receiving the case filing materials is that you were maliciously accused by the public security agency. A criminal case has been filed for overdrafting a credit card, which involves a criminal offense. If this is really the case, you will have to bear criminal liability. If you really ignore it like the friend said, then it will be too late to regret it.

Finally, if the credit card overdue behavior is not a malicious overdraft by the subject, or the amount involved is particularly huge, under normal circumstances, even if the card-issuing bank has filed a civil lawsuit and become a defendant, it is not a special matter, as long as it is timely Communicate with the handling judge of the court that accepts the case, and communicate and negotiate with the card-issuing bank in a timely manner. Basically, everything can be handled properly.

Above. I hope the subject can handle it properly.

This question was answered by other netizens who asked you to pay back the money. Why do you still ask for this when you have money? Some netizens asked you to negotiate with the bank. What should you negotiate for? If you negotiate not to pay back the money? There are many banks, and each one is different. Some will give you a reduction or exemption without negotiation and you only need to pay back the principal. Some are not easy to use no matter how you negotiate, because the customer service will tell you to go to debt collection, and the debt collection will not matter which one, but all at once. The settlement amount will be discussed, otherwise no discussion will be required.

According to the new credit card regulations, the standard for filing a case is a principal of more than 50,000. If the poster is filed, it means that the amount is quite large, and he has not paid back a cent for three consecutive months, even if you pay back a few Even if it costs ten yuan, the case will not be filed. There is no reason.

At the beginning of this year, my credit card was 18 days overdue, so I paid the late fee and paid it off in full! Use it normally after that! This month, my quota was increased by 17,000! What happened to the credit card limit increase? I'm confused as to what the conditions are!

You can do whatever the court asks you to do. What the bank wants is money. It would be best if you can get the money to pay it back. If you can’t, there’s nothing you can do about it. It depends on how much money you have. If you are put on the blacklist and go to jail before you come out, most banks will not ask you to repay the money. The money will be converted into non-performing loans and dead debts, and your relationship with the bank will have nothing to do with you. Your insurance and pension are no longer yours, because all your bank card numbers are blocked and you can’t get them out even if you have money in them.

First of all, the case filing notice should be fake, forged by a third-party company outsourced by the bank, because filing a case is a matter for the public security and the bank does not exist. If the police file a case, they will summon you and then detain you!

You won’t get to this point if you are overdue for six months. Just ignore this and just call the bank to negotiate repayment.

There is no other way to make money. . Overdue credit cards are the stupidest thing to do. A million debited is only 6,000 a month. . . .

Can your credit card be overdue? Can you have a million credit cards? If it is 100,000, you cannot earn 600 a month

Take the initiative to contact the bank. The reason why the matter has reached this stage is because you did not take the initiative to solve the problem, but waited for the bank, or avoided the bank, and gave your best The opportunity for resolution has been missed. A notice of filing a case or a letter from a lawyer is a measure taken by the bank. Its main purpose is to allow you to repay the amount owed. Please contact the card issuer as soon as possible to discuss how to repay.

First of all, don’t worry if the filing notice is fake (the bank wants money). Then call the card issuing bank to communicate and negotiate for repayment (reduction or exemption in installments). Explain to the bank the reason for the overdue date and what happens after installment or reduction. Once you get a repayment plan, most banks will agree to negotiate it. Unless it's difficult to negotiate with the big four banks, then everything else is fine.

The case filing notice may be fake, and the bank entrusted a third party to collect the payment