Generally, credit cards are handled in regular banks, so if credit cards are overdue, they will also be sued by banks. Banks with higher prosecution rates include CITIC Bank, China Merchants Bank and Shanghai Pudong Development Bank. If you apply for credit cards in these three banks, it will cause overdue, and the general banks will choose to sue to solve this problem. At the time of prosecution, the bank will send the court summons and the detailed account of credit card consumption to the borrower.

The solution after being sued by the bank. In fact, if the bank brings the borrower to court, it will have a great influence on the borrower. Then after the prosecution, I will also bear two consequences. First, I can negotiate. However, if the bank does not agree to negotiate, it will be included in the list of people who have lost their trust. If the negotiation is successful, it can be returned in installments. In fact, it is impossible to defend, because the bank has very clear evidence to prove that the borrower does not pay back the money, which eventually leads to overdue. After a certain period of time, the bank has the right to sue the borrower and the court will stand on the bank's side.

Assure the judge to repay the loan on time, but if the borrower has a good attitude and guarantees to repay the loan in court for a certain period of time, then the court will also play a mediating role. But what you need to know is that if you are sued by a bank in court, being blacklisted is very normal. So we also suggest that you pay back the borrowed money on time.

If the credit card debt is repaid in advance, the court will ask the bank to give the borrower a buffer time during the mediation process. During this buffer period, borrowers can try to save some money. In fact, as we all know, you have to pay back the borrowed money. Why is this happening? The main purpose of bank prosecution is to take away the principal and interest lent by itself, so banks generally don't make things too ugly.