No. If the card holder is sued by the bank for overdue repayment, he must appear in court on time. Failure to appear will not affect the court's judgment. The court will make a default judgment. If the card holder does not comply with the court's judgment, the court may enforce the card holder. legal measures.
1. If I am sued for an overdue credit card, can I not go to court? No. 1. If a defendant who must appear in court to participate in a lawsuit is summoned twice and fails to appear in court without justifiable reasons, the court may apply a summons to force the defendant to appear in court. 2. If the defendant is not required to appear in court, is summoned by the court, and fails to appear in court without justifiable reasons, the court may make a default judgment. A court judgment issued in a default judgment is also binding on the defendant, and the defendant's property can be enforced based on the judgment.
2. How to deal with the inability to repay the debt
1. Borrow money from family members or familiar friends to repay the debt. If you face a default on the debt and you are unable to repay the debt, You can borrow money from family members or familiar friends to repay the debt. If the debt is not repaid, it will have a great impact on your personal credit score. When faced with the inability to repay the debt, you should first consider borrowing money to pay off the debt to avoid the pressure of owing money on yourself in life and work. You can only borrow money from people you are familiar with. The first choice is family and friends. They are familiar with each other and understand each other. They may be willing to lend money to you. You can use the borrowed money to repay the debt first.
2. Negotiate with the financial institution based on your actual income to extend the repayment period and reduce the monthly repayment pressure. If you are facing a default on your debt and you are unable to pay off the debt, you can contact the financial institution The institution negotiates to extend the repayment period and reduce the monthly repayment amount, which will reduce the pressure of repayment. When communicating with financial institutions, you should inform the financial institution of your situation and strive to obtain the financial institution's understanding. After obtaining understanding, propose a new repayment plan. This repayment plan must be formulated based on your own income to ensure that you can repay the debt according to this repayment plan in the future.
3. Increase personal income and repayment ability through serious work. If you face a default on your debt and are unable to pay off the debt, you must not be discouraged. You must work more seriously and make better decisions. Good grades will increase your personal income. When your income increases, your repayment ability will also increase. If the card holder encounters difficulties in cash flow and is temporarily unable to repay, he can negotiate a solution with the bank or borrow money from others to repay the credit card. If the card holder is overdue for more than three months and fails to repay the credit card, he or she may be fined. The risk of bank prosecution. If the card holder is sued, he must actively pay off the debt or actively respond to the lawsuit.