What should I do if I am sued for overdue credit card and pre-trial mediation

1. Cardholders should actively cooperate and coordinate. This is a good way of coordination. It is relatively better to reach an agreement with the bank. solution.

2. If the credit card debt is overdue and is notified by the bank to file a lawsuit in court, the cardholder can proactively contact the bank to negotiate the credit card repayment issue. If both parties reach an agreement, they can sign a repayment agreement, and the bank The prosecution will be withdrawn.

How to deal with long-term non-repayment of credit cards

1. If you do not repay your credit card, you can apply for a payment order. Applying for a payment order is one of the effective ways to recover the debt.

2. If a creditor requests the credit card debtor to pay money or securities and meets the following conditions, he may apply for a payment order to the grassroots people's court with jurisdiction:

(1) The creditor and The credit card debtor has no other debt disputes;

(2) The payment order can be served to the credit card debtor;

(3) The application should state the request for payment of money or securities Quantity and the facts and evidence on which it is based.

3. The creditor orders the credit card debtor to pay off the credit card debt within 15 days from the date of receipt of the payment order, or submit a written objection to the people's court. If the credit card debtor does not raise objections and fails to fulfill the payment order within 15 days, the people's court can act on the creditor's application.

4. It can be seen that the biggest advantage of applying to the People's Court for a payment order to recover arrears is that it takes a short time and has quick results. Of course, if the credit card debtor files a written objection to the People's Court within the statutory time, it must be handled through litigation procedures. This can well protect claims in credit card debt disputes.

What to do if the credit card universal balance cannot be paid

1. Explain the situation to the bank in advance and try to negotiate repayment. Ask what the current minimum repayment amount is, and ask the bank whether you can repay it first. Minimum payment amount.

2. Ask the bank if the installment can be extended to reduce the current repayment pressure.

3. If the negotiation fails, users can transfer money to friends, relatives, and family members and repay the money as soon as possible to avoid incurring more interest.

4. Use the minimum repayment function. Every bank has a minimum repayment function. As long as the minimum repayment is paid, the bank will not charge late fees and will not 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.

5. Take the initiative to explain the situation to the bank and negotiate. If you are indeed 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. Prove that you are not malicious in refusing to repay, but there is indeed a reason. Discuss whether you can delay the repayment. Do not ignore the bank by changing your phone number. , this way my personal credit is gone, unless I will never deal with banks again.

Cardholders should actively cooperate and coordinate. This is a good way of coordination. Reaching an agreement with the bank is a relatively good solution. Failure to repay credit card debts overdue will have a negative impact on us, so when you are sued, you should actively contact the bank and negotiate for settlement.

I hope the above content can be helpful to you. If you still have questions, please consult a professional lawyer.

Legal basis:

Article 196 of the "Criminal Law"

Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to not more than 5 years in prison Fixed-term imprisonment or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence is not less than 5 years but not more than 10 years of fixed-term imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is special If the crime is huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated:

(1) Using counterfeit credit cards;

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card issuer.