If the credit card is overdue, if the bank has sued, but has not received a court summons, it is recommended not to go to court, but to find a way to repay the arrears immediately, so that the bank will withdraw the lawsuit. Credit card overdue solution: 1. As a credit card holder, once he can't repay on time due to unemployment, illness or other unexpected circumstances, before the deadline for repayment comes, the cardholder should take the initiative to call the bank credit card center to state his financial situation, declare that he is not maliciously in arrears, and apply for deferred repayment and interest concessions. 2. In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment and negotiate a mutually acceptable repayment plan with cardholders, such as the extension period, interest discount, monthly repayment amount, etc. In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded in the bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future. 3. If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare that there is no malice. If the past record is good and the overdue time is short, if the repayment is found to be good after the overdue, it may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue. 4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records. In today's credit society, don't underestimate the credit card stain, which will lead to a lot of banking business can not be handled, car loans, mortgages, commercial loans can not pass. Therefore, develop good credit card habits, understand the solutions to overdue credit cards, and be prepared!

Legal objectivity:

Article 177 of the Criminal Law shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention under any of the following circumstances, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan: (1) Holding and transporting a large number of credit cards knowing that they are forged, or holding and transporting them knowing that they are blank credit cards; (2) Illegally holding other people's credit cards, with a relatively large number; (3) using a fake ID card to defraud a credit card; (4) Selling, purchasing or providing others with forged credit cards or obtaining credit cards by fraudulent means. Whoever steals, buys or illegally provides credit card information of others shall be punished in accordance with the provisions of the preceding paragraph. Any employee of a bank or other financial institution who commits the crime mentioned in the second paragraph by taking advantage of his position shall be given a heavier punishment.