Respond actively, make good use of the time before the trial, and strive to negotiate a repayment plan before the trial.

Generally, if a credit card is overdue and sued, the bank will sue many overdue cardholders at the same time. Therefore, court dates need to be scheduled. There is a period of time between the time we receive the court summons and the court date. During this period, we can still negotiate the repayment plan with the bank. If a negotiated repayment agreement is reached before the trial, the bank will also withdraw the lawsuit against us.

It is worth reminding that at this juncture when you receive a court summons, you will inevitably be scared and nervous. When negotiating with the bank, the bank takes the initiative and we are more passive. But you must stick to your demands and be patient and take the initiative to communicate and negotiate many times. Under normal circumstances, the bank will make concessions. No matter what, don't just sit there and do nothing, just waiting to be prosecuted. Even though repeated communication during this period did not produce a satisfactory result, our active communication was later used as evidence in court that we had active repayment negotiations.