1. How to withdraw an overdue lawsuit against a bank credit card?

Actively cooperate with the work of the bank and the court, actively participate in mediation work and negotiate repayment matters, If an agreement is reached through negotiation, an application can be made to the bank to withdraw the lawsuit. If a bank loan is overdue for more than 90 days, the bank will sue. If a bank files a lawsuit in court, after the people's court makes a judgment, the borrower should actively perform its repayment obligations. If it refuses to perform, the bank can apply to the court for compulsory execution. During this period, the court will seal up and detain the borrower's property. Once a personal bad credit record occurs, it will first affect your loan application.

2. What are the better ways to solve the problem of credit card debt?

If the credit card debt is not paid, it can be handled in the following ways:

1. Use the minimum payment feature.

Every bank has a minimum repayment function. As long as you pay the minimum repayment amount, the bank will not charge late fees, nor will it affect your personal credit. However, interest will be charged for repaying the minimum, which is 50% interest per day. Therefore, as long as you repay the minimum, although the pressure will be reduced, compound interest will occur, which will be relatively troublesome, and it can only be used as a temporary delay. For overdue fees, different online loan platforms have different names and charging standards.

2. Use the staging function.

If you are under repayment pressure, you can directly apply for bill installment. Generally, banks provide the function of 3, 6, 9, 12, 18, and 24 installments. You can choose the number of installments according to your repayment ability. , This can alleviate the repayment pressure and will not affect your credit.

3. Change the billing date to extend the repayment period.

The billing time cannot be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, and some banks can only change it once.

4. Take the initiative to explain the situation to the bank and negotiate.

If you are unable to repay for a period of time due to special circumstances such as work, you can take the initiative to call the bank and explain the reason, proving that it is not malicious and that there is indeed a reason, and we can discuss whether the repayment can be delayed. Don't change your phone number and ignore the bank. This will destroy your personal credit unless you never deal with the bank again.

If you fail to actively contact the credit card center after the due date and do not express your willingness to repay, you will be sued by the bank and taken to court. However, before the court gives the final result, both parties can conduct corresponding negotiations or mediation. After reaching an agreement, they can apply to the bank to withdraw the lawsuit.

If you cannot find a suitable lawyer to help you with issues related to overdue debt, please click the consultation button on the page and we will arrange professional lawyers to answer your questions.