If the credit card is overdue, if the bank has filed a lawsuit, but has not received a court summons, it is suggested not to go to court, but to find a way to return the arrears immediately, so that the bank will withdraw the lawsuit. Solutions to overdue credit cards: 1. As a credit card holder, once he is unable to repay on time due to unemployment, illness or other accidents, before the final repayment period comes, the cardholder had better 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 delayed repayment and interest concessions. 2. In view of the cardholder's active performance and previous good credit record, the bank will often agree to postpone repayment, and negotiate with the cardholder a repayment plan acceptable to both parties, such as the delay period, interest discount, monthly repayment amount, etc. In this way, if you contact the bank actively and the bank agrees to postpone the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future. 3. If you usually neglect to repay, 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 it is not malicious. If it has been recorded well in the past and the overdue time is short, it may not be recorded as a bad record if it is found that the repayment is good after the overdue. 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 use a card to terminate, 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 and maintain a good credit during the period, so that the bad records can be removed from the credit information system by rolling records. In today's credit society, don't underestimate the credit card stain, which will lead to many banking businesses being unable to handle, and car loans, mortgages and commercial loans will not pass. Therefore, develop good credit card habits, understand the solutions to overdue credit cards, and be prepared! Legal objectivity:

Article 196 of the Criminal Law commits credit card fraud in any of the following circumstances, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) Malicious overdraft.