According to Chinese law, it is not allowed to go to court for overdue credit card civil lawsuits. Detailed explanation based on the following points.

First of all, civil litigation over overdue credit cards is a type of civil litigation, which requires overdue parties to go to court to attend a hearing in accordance with the court's summons. Failure to go to court may result in the court being unable to obtain the relevant information and defense opinions of the overdue party and unable to fully hear the case, thereby affecting the outcome of the judgment. Therefore, according to the requirements of judicial procedures, it is not allowed to go to court for overdue credit card civil lawsuits.

Secondly, if you fail to go to court after the deadline, you may also face legal consequences. The court may take coercive measures and impose penalties on the overdue party based on its behavior. For example, the court may make a default judgment against the overdue party, that is, directly make a judgment decision without considering its defense. In addition, overdue parties may be included in the default list, which will affect their personal credit records and credit ratings.

To sum up, according to Chinese law, it is not allowed to go to court for overdue credit card civil lawsuits. Failure to go to court may result in your case not being fully heard and you may face legal consequences, including a default judgment and damage to your personal credit. Therefore, when receiving a court summons, the overdue party should go to court to attend the hearing as required to fully exercise their rights to defend themselves.

Extended information:

According to the Chinese Civil Procedure Law, a court summons is a legal document summoned by the court to summon the parties to appear in court to participate in litigation activities, including court hearings, applications for execution, etc. After receiving the court summons, the parties concerned should go to the designated location to participate in corresponding litigation activities as required. Failure to go to court may prevent the case from proceeding, which may affect the outcome of the case. In the case of overdue credit card disputes, if the overdue party does not go to court, the court may handle it accordingly based on the overdue party's behavior and take coercive measures against it.

However, if the overdue party has legitimate reasons for being unable to appear in court on time, he or she may submit a written application to the court to ask for leave or explain the reasons. The court will handle the case at its discretion and make arrangements as appropriate. However, this requires the overdue party to communicate with the court in advance and obtain the court’s consent. In any case, the court's decision is made in accordance with the provisions of judicial procedures, taking into account the actual circumstances of the case and the principles of justice.

It is worth noting that the above information is for reference only, and specific situations must be handled in accordance with Chinese laws and court regulations. If you encounter a civil lawsuit over an overdue credit card, it is recommended to consult a professional lawyer in time and take appropriate legal action based on the actual situation.