Now when a credit card is overdue, the bank will collect the cardholder. If it is okay to find someone, they can negotiate for repayment. If the cardholder keeps avoiding the bank, the bank will collect the cardholder. So what is the process for prosecuting overdue ICBC credit cards? What should I do if I am sued overdue? The editor has compiled the following information, hoping it will be helpful to everyone.

1. What is the process for overdue prosecution of ICBC credit cards?

1. You will receive a text message notification from 12368. There is a case number on it. Go to the Internet to check the case number. If you check it, it means that the prosecution process is indeed in progress.

2. The EMS summons and civil lawsuit will be mailed to your court. Note, it must be EMS. This is not online shopping. You can choose logistics. It is not sent by EMS, and it is not genuine.

3. If the prosecution information is true, wait patiently. You will receive a notification within 3-4 days of filing the case: specific time, location, log in to the system to view the summons. If you want to request an online trial, you can request information from the judge in advance.

4. The judge announces the opening of the trial, checks the parties appearing in court, and inquires about the number of cases, attendance status, whether there have been changes in the proceedings, whether both parties have withdrawn, etc.

2. What should I do if I am sued for an overdue credit card?

1. Repay the credit card in full during the prosecution period. After being sued for an overdue credit card, it is best to repay the balance in full during the prosecution period, and immediately inform the bank that the full repayment has been made, and request the bank to withdraw the prosecution.

2. Negotiate repayment with the bank during the prosecution. If the cardholder does not have the ability to repay in full, has no enforceable property in his name, and is temporarily unable to repay in full, the court will stop the mediation between the two parties. Interest or negotiated repayment.

3. Asset auction repayment The court tracks through the system that the cardholder has other sources of income or assets that can be sold, and the bank does not agree to negotiate repayment. At this time, the court will give the cardholder a repayment period. The court can enforce the repayment period, freeze the cardholder's bank card, WeChat, and Alipay accounts, and auction properties for repayment.