Legal analysis: if a credit card is sued, it should actively respond to the lawsuit, repay it in time according to the court judgment, or actively repay it before the formal judgment, and ask the other party to withdraw the lawsuit. According to the law, the creditor may require the debtor to actively perform the repayment obligation, and if it is unable to repay, it may negotiate to repay by installments.

Legal basis: Article 84 of the General Principles of Civil Law of People's Republic of China (PRC) is a specific relationship of rights and obligations between the parties according to the provisions of the contract or the law. The obligee is the obligee, and the obligor is the debtor. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or according to law.