Don’t be afraid of being sued for credit card disputes! Everyone should know that credit card disputes can be civil lawsuits or criminal lawsuits. If the credit card dispute is a purely economic dispute, involving only non-repayment of owed money, no malicious intent to overdue, and the principal amount owed is less than 50,000, you can Follow these methods: 1. Full repayment: After receiving the court summons, take the initiative to contact the bank to repay in full before the court session. Pay off the principal and overdue fees in one go. The bank can withdraw the lawsuit after repayment. Yes, this method is only suitable for people who are able to repay, but many people have no money to repay, so they have to find another method. 2. Respond in accordance with the law: If the cardholder wants to protect his legitimate rights and interests after being sued, it is best to respond in accordance with the law. Otherwise, even if he does not appear in court, the court will make a judgment in default. Then he will be completely passive, and it will be easier to appear in court. It is beneficial. You can provide details of overdue repayments and relevant information on repayment difficulties to prove that you did not overdue maliciously and negotiate with the bank under the mediation of the court. 3. Fulfill obligations: After the court's judgment, repayment will not be required immediately, but a performance period will be given. The cardholder must seize the time to raise money to repay. Otherwise, if there are assets in the name beyond the period, the bank will If the court is required to enforce the case, bank cards will be frozen and assets such as houses and cars will be auctioned. In short, if you are sued for a credit card dispute, there is no other solution except repayment. The purpose of the bank is to make everyone repay, and they will have to bear the legal fees if they lose the lawsuit, so try not to get to this point.