1. Can I not go to court if my credit card is sued for overdue? No. 1. If the defendant who has to appear in court to participate in the proceedings is summoned twice by summons and fails to appear in court without justifiable reasons, the court may apply a subpoena to force the defendant to appear in court. 2. If the defendant does not have to appear in court and is summoned by the court, and fails to appear in court without justifiable reasons, the court may make a judgment by default. The court judgment made by default judgment is equally binding on the defendant, and the defendant's property can be enforced according to the judgment.
2. How to deal with the inability to repay
1. Borrow money from family members or familiar friends to repay the arrears. If you are faced with default in arrears and you are unable to pay off the arrears, you can borrow money from your family members or familiar friends to repay the arrears. If the arrears are not repaid all the time, it will have a great impact on your personal credit information. When faced with the inability to repay the arrears, we should first consider borrowing money to repay the arrears, so as to avoid the pressure of life and work caused by owing money. Borrowing money can only be started from people who are familiar with you. The first choice is family and friends. They are familiar with each other and may be willing to lend money to themselves. You can use the borrowed money to repay the arrears first.
2. Negotiate with financial institutions to extend the repayment period according to their actual income, so as to reduce the monthly repayment pressure. If you are faced with arrears and default, and you are unable to pay off your debts, you can negotiate with financial institutions to extend the repayment period and reduce the monthly repayment amount, which will reduce the repayment pressure. When communicating with financial institutions, we should inform them of our own situation and strive for their understanding. Put forward a new repayment plan after understanding. This repayment plan must be based on your own income to ensure that you can repay the arrears according to this repayment plan in the future.
3. Improve one's income and repayment ability by working hard. If you are faced with default in arrears and you are unable to pay off your debts at the same time, you must not lose heart. You must work harder and make better achievements to improve one's income, and your repayment ability will also improve after your income increases. The cardholder can't repay the loan temporarily because of the difficulty of capital turnover. He can negotiate with the bank to solve the problem, or borrow money from others to return the credit card. If the cardholder fails to return it for more than three months, he is at risk of being sued by the bank. If the cardholder is sued, he should actively pay off the arrears or actively respond to the lawsuit.