1. How to solve the problem of receiving summons for credit card debt

1. Repay in full.

If possible, do everything you can to pay back the overdue late payment fees and corresponding interest on your credit card. The purpose of the bank is also to repay the loan. Apart from the impact on the credit report, there is basically nothing much to do after the repayment.

2. Negotiate a settlement with the bank.

If you really do not have the ability to repay, you can clearly explain the actual situation to the person in charge of the bank, and outline the repayment plan and sources of income to the bank. When the situation is good, a settlement agreement can also be reached. Banks also know that if there is truly no enforceable property, prosecution will be more symbolic than practical.

3. Cooperate with litigation.

There is no money to repay, and no settlement has been reached with the bank. All that is waiting is litigation. Except for credit card fraud involving malicious overdrafts and general expected non-payment, these are just civil disputes. Don't be too nervous about this, actively cooperate with the lawsuit, and wait for the court to decide the rest.

4. Prove that the overdraft was not malicious.

For overdue credit cards, the most important thing is to prove that your overdraft is not malicious. In layman's terms, a non-malicious overdraft is a consumption behavior that you originally thought you could repay, but who knows that it backfires and you can't repay it. Don't let anyone think that the overdraft was malicious, otherwise you will be subject to a criminal lawsuit. Of course, this depends on facts.

5. Actively defend.

The behavior of not paying back your credit card debt overdue is usually a sign of a sudden deterioration in your financial situation. If you have certain legal knowledge and understanding, it is recommended not to hire a lawyer, because it seems unreasonable to not pay back your credit card if you have money to hire a lawyer. When defending, you can find loopholes in the bank's claims and facts and be targeted.

6. Properly handle and digest the negative impact of the judgment.

If you are indeed unable to perform, you should actively respond and actively cooperate to show that you are a person who values ??integrity and has the courage to take responsibility. If you feel that you can't live with the situation, you don't dare to face it correctly, and you take evasive or extreme actions, you will not only hurt your body, but you will also lose the respect of others.

2. How long will it take for a credit card to be on the credit blacklist if it is overdue?

1. As long as the credit card is overdue for more than 90 days, it is generally a black account. This is the standard of most banks.

2. Under normal circumstances, if a personal credit card bill is overdue, the bank will collect the debt from the debtor in accordance with relevant regulations in the first three months.

3. If collection is successful within these three months. Then the bank will not take the next step of collection action. If the bank fails to collect the credit card within three months, then according to the law, if the credit card is overdue for 3 months and fails to collect the credit card, the bank can take legal proceedings.

After the credit card is overdue, you can negotiate with the bank to use installment repayment first or delay repayment. If you fail to repay your credit card after 90 days overdue, you will be blacklisted by the credit bureau and may also be subpoenaed. Applying for a credit card itself will not affect your credit score unless you do not use it or fail to pay it back overdue.