If you are sued for a credit card debt, the credit card holder can resolve it in the following ways:

1. As a credit card holder, once you are unemployed, ill, or other accidents When unable to repay on time, before the final repayment period arrives, cardholders are advised to call the bank's credit card center to state their financial situation, declare that they do not owe money maliciously, and apply for delayed repayment and interest discounts.

2. In view of the cardholder’s active performance and previous good credit record, the bank will often agree to defer the repayment, and work with the cardholder to agree on a mutually acceptable repayment plan, delay period, and interest discount. , monthly repayment amount, etc.

If you take the initiative to contact the bank and get the bank's consent to defer the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay as agreed in the future.

3. If you forget to repay due to negligence, you must repay the loan as soon as possible after it is overdue, preferably in full. Then call the bank's credit card center and state that the debt is not malicious

If the credit card debt is not due, the following consequences will occur:

1. The debtor should pay additional overdue interest and liquidated damages;

2. The debtor’s personal credit report may have negative records;

3. The debt may be enforced after being sued by the court.

Legal basis:

"Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Article 70

Under special circumstances, confirm If the credit card debt amount exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum period of a personalized installment agreement shall not exceed 5 years. Therefore, under normal circumstances, banks will handle it according to the actual situation.