What you received was not a subpoena, but a letter from a lawyer. Credit card consumption is essentially a loan. If it is overdue, it is already a breach of contract and needs to be returned at the final repayment time stipulated by the bank, otherwise it will be prosecuted.

You can contact the bank and apply for installment repayment.

Take the initiative to answer the bank phone and pay back the money quickly. There is no better way, it is estimated that it is a bluff for the time being, but it is only a matter of time before the prosecution is delayed.

Extended data:

Credit card collection is divided into internal collection and outsourcing collection. Internal collection usually refers to customers who are overdue for more than three months. Generally, they are reminded by bank customer service (M0 period), urged by electricity (M 1, 2 period) or collected at all business outlets (M3 period)!

Outsourcing collection mainly means that the credit card center entrusts some companies (some of which are law firms) specializing in collection industry to collect some customers who are difficult to handle, have problems, lose contact or have a small amount after internal collection fails.

References:

Credit Card Collection-Baidu Encyclopedia