If you fail to receive the summons, you will be reminded again! If you don't go, you will be tried in absentia! This kind of case does not require a court hearing. It can be decided directly through summary procedures! You can pay off a little bit first, transfer your credit card bill to installments, or call customer service to explain the situation! After you are sentenced, the bank can apply for enforcement and directly go to your unit to deduct your salary! Moreover, your credit should be reduced to zero, or even negative, and major banks will be unlikely to lend to you in the future! If the court contacts you and you say you are willing to accept mediation and repay the loan on September 30, you will not enter the trial process.