1. Do I need my signature to sue overdue credit cards?

Need.

Impact of credit card non-repayment:

1. The cardholder's bad repayment record will be recorded in the personal credit information system, which will affect other businesses in the bank in the future, such as loans.

2。 If the repayment is delayed, there will always be interest and late fees. Moreover, if the bank thinks that the cardholder owes money maliciously, it will sue in the name of credit card fraud, which is an economic crime.

Second, what should I do if my credit card is overdue?

1. You'd better keep using this card.

After the deadline, the best way is to continue to use this card and overwrite the original negative record with the new normal repayment record. Generally, a new credit record will be generated after 24 months, so that personal credit will not be affected after refreshing the record.

2. Never run away.

If it is overdue for a long time, the credit card will generate interest and there will be a high late fee. If you run away, the bank will think that malicious overdraft will call the police.

3. Inability to repay the loan requires timely explanation.

If you can't repay on time due to unemployment or illness, you can apply for deferred repayment and interest concessions before the repayment deadline, state your financial situation and declare that you are not maliciously in arrears.

4. It is best to repay in full and explain the reasons.

If you forget to pay back because of your usual carelessness, you must pay back in full as soon as possible, preferably in full, because calling the bank after full repayment shows that it is not a malicious debt request, and eliminating overdue records has the best chance of winning.

3. What are the steps of the credit card overdue prosecution process?

1. If the cardholder still fails to repay after repeated reminders from the bank, the bank will file a civil lawsuit with the court;

2. The court will investigate the truth after receiving the litigation request from the bank. If it is determined that the cardholder is in arrears for a long time, the court will ask the bank for the cardholder's personal information;

3. The bank collates the litigation materials and submits them to the court for approval;

4. After receiving the litigation materials, the court will generally examine and approve them within 7 days to decide whether to accept them;

5. After the civil judgment, if the overdue user fails to repay the loan, the bank has the right to apply for compulsory execution and may confiscate the user's property. Users who refuse to repay will constitute the crime of credit card fraud and need to bear criminal responsibility;

6. About 4 months after the investigation, the bank will entrust the local people's procuratorate to file a public prosecution with the court. If the user is unable to repay the arrears, the Public Security Bureau can arrest the overdue user for credit card fraud.

The credit card is overdue for more than three months, and the cardholder has no repayment action. In order to recover the arrears and avoid losses, the bank took the cardholder to court. If the cardholder returns the credit card before the court session, the cardholder may ask the bank to withdraw the lawsuit. If the cardholder fails to repay, it is considered as a malicious overdraft and needs to bear legal responsibility.