Legal analysis: It is quite serious when a lawyer's letter comes for an overdue credit card. When a credit card holder receives a lawyer's letter, it means that the card-issuing bank is ready to sue the cardholder. But as long as the cardholder pays off the credit card balance, the card-issuing bank will no longer sue. The card issuing bank sends a lawyer's letter to the cardholder mainly to ask the cardholder to pay off the debt. If the cardholder takes the initiative to pay off the debt, he will not be sued. If the cardholder does not pay back, he will be sued.

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

Article 17 The grassroots people's courts have jurisdiction over first-instance civil cases, but this law provides otherwise except.

Article 18 The Intermediate People’s Court has jurisdiction over the following first-instance civil cases: (1) Major foreign-related cases; (2) Cases with significant impact within its jurisdiction; (3) The Intermediate People’s Court determines that the Intermediate People’s Court shall cases under the jurisdiction of the People's Court.

Article 119: A lawsuit must meet the following conditions: (1) The plaintiff is a citizen, legal person or other organization that has a direct interest in the case; (2) There is a clear defendant; (3) There are specific litigation claims, facts and reasons; (4) It falls within the scope of the people's court to accept civil litigation and the jurisdiction of the people's court subject to the lawsuit.