1. If the bank still fails to repay the loan after multiple reminders, the bank will file a civil lawsuit in court.

2. After receiving the bank’s request for litigation, the court will take the initiative to investigate the truth. Once the overdue behavior is confirmed, it will organize negotiations between the two parties.

3. After consensus is reached, the bank will withdraw the lawsuit and give the cardholder a time commitment and plan for repayment.

4. If the cardholder repays the loan in accordance with the agreed time and method, he will not be sued again. It should be noted that if the cardholder owes more than 50,000 yuan and still does not return it for more than three months after two collections by the bank, it constitutes a crime and requires criminal liability.