Legal analysis: credit card arrears can be negotiated with the other party to determine the repayment period and method after receiving the lawyer's letter; If you can't reach an agreement, be prepared to deal with it. After the other party files a lawsuit, it will receive a notice of responding to the lawsuit from the court, submit a defense against the other party's complaint and actively respond to the lawsuit.

Legal basis: Article 125 of the Civil Procedure Law of People's Republic of China (PRC), the people's court shall send a copy of the complaint to the defendant within five days from the date of filing the case, and the defendant shall submit a reply within fifteen days from the date of receipt. The defense shall specify the defendant's name, gender, age, nationality, occupation, work unit, residence and contact information; The name and domicile of the legal person or other organization and the name, position and contact information of the legal representative or principal responsible person. The people's court shall send a copy of the defense to the plaintiff within five days from the date of receiving the defense. If the defendant fails to submit the defense, it will not affect the trial of the people's court.