The next step when receiving a court summons for a credit card dispute is as follows:

1. Seize the time before the trial and try to negotiate a repayment plan before the trial;

2. Be brave Face and actively respond to the lawsuit;

3. Even if the cardholder is sued by the bank and the court has already opened, the cardholder can still make a claim in court and negotiate with the bank for the specific repayment details. Amount and repayment method.

Consequences of overdue credit card payments:

1. Overdue credit cards will not result in high penalty interest and liquidated damages;

2. Credit damage;< /p>

3. Being harassed by various means;

4. Affecting other lives: becoming a dishonest person, affecting consumption, travel, children's education, etc.

The methods for overdue credit card loans are as follows:

1. Ask relatives and friends for help. Borrowing money from relatives and friends to repay a small credit loan is the most direct way, and it is also the first thing that comes to mind in life. Wait until the personal funds are turned around before paying back the money.

2. Apply for extension. Many lending institutions can apply for loan extension. If the borrower's small loan is overdue, the borrower can apply for loan extension from the lending institution. As long as the borrower has sufficient reasons, I believe the lending institution will be lenient. By applying for a loan extension, the borrower will not be charged penalty interest, and there will be no stain on his or her personal credit record.

3. Use credit cards skillfully to repay. If the borrower has a credit card, he or she can use the credit card to withdraw cash to repay the small loan. Generally, the loan amount of small loans is not very high. Individuals can use the money used for personal living expenses for repayment, and try to use credit cards for consumption. This method is actually considered a credit card repayment. Therefore, borrowers can use credit cards to repay small loans.

4. Apply for installment. If you really do not have the ability to repay, you should negotiate with the credit company to extend the repayment period or repay in installments.

To sum up, if you are summoned for overdue card use, you should try to negotiate a repayment plan before court.

Legal basis:

Article 109 of the "Civil Procedure Law of the People's Republic of China"

The people's court shall treat defendants who must appear in court , who refuses to appear in court without justifiable reasons after being summoned twice, may be summoned by arrest warrant.