You need to check whether you have received a court summons. If you have received a court summons, the court hearing text message you received may be true, but if you have not received a summons, the text message is likely to be fake. Yes, after accepting a credit card dispute case, the court will generally serve a copy of the complaint to the defendant.

1. Is it true that a text message saying a court hearing is coming when your credit card is overdue? It depends on whether you have received a court summons. If there is only a text message notifying you of the court hearing, it is likely to be fake. In order to put pressure on debtors, some informal collection agencies will pretend to be public prosecutors and law enforcement agencies and send legal documents to debtors. According to normal litigation procedures, it is impossible for the court to just send a text message to remind you of the court date. Generally, a court summons will be served before the court session. The court summons is generally delivered directly to the individual. Only with the consent of the individual will it be served by fax or email. Of course, regardless of whether the court text message is true or not, if you borrow money, you must pay it back as soon as possible.

2. What will be the consequences of overdue credit card payments? 1. Penalties for overdue credit card payments. The so-called credit card overdue penalty refers to the fee that the cardholder should pay to the card-issuing bank according to regulations when the cardholder fails to repay before the due repayment date (inclusive) or the repayment amount is less than the minimum repayment amount. 2. Overdue interest. After a user uses a credit card to overdraft, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder repays overdue, all the expenses of the cardholder last month will no longer enjoy the bank's interest-free payment. treatment, and the recurring daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18. 3. Bad credit record. Overdue credit card repayment records will enter the central bank's credit reporting system to generate bad credit records. my country's personal credit reporting records have been networked nationwide. As long as individual residents have handled loan business at banks, applied for credit cards, or provided guarantees for others, they will be credited. Then you can check your credit report at any domestic commercial bank. 4. Litigation costs. If the credit card is not repaid for more than three months, the bank will ask a lawyer to issue a lawyer's letter to the user and file a lawsuit in court. The litigation costs will be borne by the cardholder. 5. Criminal liability for malicious overdraft. According to regulations, malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still not returning the money after being called by the card issuer. Those who maliciously engage in credit card fraud through overdraft will be held criminally responsible for credit card fraud and be sentenced to fixed-term imprisonment of not more than 5 years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan. When a credit card is overdue, overdue penalties and interest will accrue, and a bad record will be left in the credit reporting system. You may even be sued by the bank. If you do not receive a summons from the court, but only receive a text message notification of a court hearing, then It is very likely to be fake. Just in case, the cardholder can contact the court directly to inquire whether he has been sued.