Legal analysis: If you are sued for credit card debt, the credit card holder can solve the problem in the following ways. First, cardholders should proactively contact the credit card center to indicate their financial status and apply for delayed repayment. Second, if the cardholder owes money not due to his or her own financial situation, but because he forgets to repay, the cardholder should repay the amount in full and in a timely manner upon discovery. If the cardholder confirms that he or she has no credit card use record, he should contact the credit card center promptly to check whether the ID card has been stolen.

Legal basis: "Civil Procedure Law of the People's Republic of China"

Article 2 The task of the Civil Procedure Law of the People's Republic of China and the People's Republic of China is to protect the parties involved in the exercise of litigation rights to ensure that the People's Court ascertains facts, distinguishes right from wrong, correctly applies the law, hears civil cases in a timely manner, confirms the relationship between civil rights and obligations, sanctions civil violations, protects the legitimate rights and interests of the parties, educates citizens to consciously abide by the law, and maintains social and economic order. Ensure the smooth progress of socialist construction.

Article 3 The provisions of this Law shall apply to the people's courts that accept civil lawsuits filed between citizens, legal persons, other organizations, and between them due to property relations and personal relations.