Legal analysis: We will sue together. If you are sued by the bank because your credit card is not paid, first check whether you have enough funds to repay, pay off the debt as soon as possible or negotiate with the bank .

1. If you have sufficient repayment ability, you must repay as soon as possible. Banks often sue just to make the parties repay as soon as possible, which is a civil dispute. Therefore, as long as the debt is paid off, there will be no big problem, and the parties involved do not need to bear any criminal liability. Although you may have a bad credit record on your credit report, as long as you slowly improve your credit in the future, you will be fine.

2. If you do not have sufficient repayment ability, you should negotiate with the bank as soon as possible. As long as you express your willingness to actively repay, the bank will usually accommodate you for a period of time to repay, and it is also very likely to withdraw the lawsuit or reach a mediation with you, and the court will issue a mediation letter, etc., and you only need to make an agreement with the bank During the repayment period, just repay according to the negotiated repayment plan.

3. If you do not repay the money, the court will send you a summons in accordance with the law and hold a trial in accordance with the law. You should fulfill the judgment and repay the money within the legal period after the judgment takes effect, otherwise the other party can apply for compulsory execution. The court will seize, detain, auction, and other measures against your property in accordance with the law. Therefore, it is recommended that you actively respond to the lawsuit by submitting a defense after receiving the summons and repay the loan as soon as possible.

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

Article 93: When hearing civil cases, the People's Court shall based on the principle of voluntariness of the parties and when the facts are clear Basically, distinguish right from wrong and mediate.

Article 125 The People's Court shall send a copy of the complaint to the defendant within five days from the date of filing the case, and the defendant shall submit a defense within fifteen days from the date of receipt. The defense statement shall state the name, gender, age, ethnicity, occupation, workplace, residence, and contact information of the defendant or other organization and the name, position, and contact information of the legal representative or principal person in charge. The People's Court shall send a copy of the defense to the plaintiff within five days from the date of receipt of the defense. If the defendant fails to submit a statement of defense, it will not affect the trial of the People's Court.

Article 236 The parties must fulfill any legally effective civil judgment or ruling. If one party refuses to perform, the other party may apply to the People's Court for enforcement, or the judge may transfer the matter to an execution officer for enforcement. The parties concerned must perform the mediation agreement and other legal documents that should be executed by the People's Court. If one party refuses to perform, the other party may apply to the People's Court for enforcement.

Article 241 If the person subject to execution fails to perform the obligations specified in the legal document in accordance with the execution notice, he shall report the current property situation and the property situation one year before the date of receipt of the execution notice. If the person subject to execution refuses to report or makes a false report, the people's court may fine or detain the person subject to execution or his legal agent, the principal person in charge of the relevant unit or the directly responsible person according to the seriousness of the case.