Do you still have to confess if you owe a credit card? Of course not! There is only one bank suing you, so you only need to deal with the dispute with this bank. You don't need to tell the court that you owe debts in other banks, and the court doesn't want to hear about other debts you owe, because these have nothing to do with this case and the court!

the principle of "don't sue and ignore" is implemented in civil litigation

If the credit card is overdue and is sued by one of the banks, it means that the bank thinks that the debt you owe needs to be forced to perform by a court decision, and you can't reach an agreement through negotiation, or the problem can't be solved through negotiation.

the legal relationship behind every credit card is the credit card service contract relationship between the cardholder and the issuing bank, and has nothing to do with the credit cards of other banks. And one of the banks will not tell other banks if it wants to file a lawsuit, and the court will not inform other banks, but will only deal with the case that has filed a lawsuit.

This is the principle of not suing and ignoring. In the process of litigation, the court will not only deal with the case that has not been sued, but will not even help the parties to add the claim that has not been claimed. For example, in a loan dispute, you didn't ask for interest when you filed a lawsuit, but you can sue for interest according to regulations; At this time, the court will only try the principal, and will not add additional interest requests for the parties without authorization.

Different banks are competitive and independent

Banks belong to commercial organizations, and cardholders have a legal contractual relationship with them when using credit cards. The amount in credit cards is the bank's funds and does not belong to state-owned property; Therefore, the credit card is owed to the bank as a civil subject, not to the state.

Therefore, when being sued by a bank, there is no need to confess all debts to the court, because it does not involve national interests. And each bank is in an independent competitive relationship; The first bank to sue prefers it to be the only one to file a lawsuit, so that it can get priority compensation after the judgment takes effect.

since it is an independent and competitive relationship, it is impossible for this bank to tell other banks; The court itself has no right to take care of disputes that others have not mentioned, because there are many other ways to deal with disputes before going to the court. To be honest, the court also hopes that there will be fewer cases and fewer disputes. Why should it take the initiative to intervene or hope that you will confess other disputes?

what should I do if I am sued by the bank for overdue credit cards?

although overdue credit card is a civil litigation dispute, it is easy to cause a series of problems if it is not handled properly, and may even lead to criminal investigation on the grounds of credit card fraud.

Therefore, the best way to face being sued is to win the understanding of the bank, and it is best to withdraw the case. Why did the bank sue? Because they can't see your hope of repayment and want to enforce it through the court, they may have to bear more liquidated damages and interest after being sued, including legal fees; So you can consider negotiating repayment with the bank.

it's only a matter of time before you pay back the money. So try to give the bank a reasonable repayment plan, gain the trust of the bank, and the two sides reach a repayment plan to terminate the case in time. It is the most effective way to borrow money from relatives and friends, sell the property, and deal with the debt as soon as possible. It is not cost-effective to auction the property through the court.

Conclusion

Everyone will encounter difficulties, and every bank doesn't want the overdue credit card to go into litigation, which is also very tiring for them.

Therefore, when faced with such problems, it is very important for cardholders to take them seriously and deal with them actively, so that banks can understand the actual difficulties. However, it is only overdue for one bank's credit card, so there is no need to inform other banks, and it is only sued by one bank. There is no need to tell the court about all banks.

first, you have no obligation to inform; Second, the court has no power to take the initiative to ask questions; If you tell me, it may cause a chain reaction and cause a greater blow to yourself.