1. According to the banking procedure, you can bring a lawsuit to the court under the following circumstances:

a

Other collection methods are invalid, and the overdraft principal and interest exceeds 1000 yuan;

b

Grasping the property information such as customers' arrears of deposits requires court freezing and judgment;

c

Because the arrears are not prosecuted by the same industry, they need to participate in the collection together.

2. Attitude is very important.

You should take the initiative to find the local card department or card center of the issuing bank to explain the actual situation. Don't avoid it, or the bank will think that you have defaulted maliciously. Even if you can't repay it in full, you should try your best to repay part of your sincerity.

Generally, in this case, the bank will not file a lawsuit.

3. Default in repayment has affected your personal credit record. Once personal credit is bad, it will affect many aspects of you, including personal loans and applying for credit cards from other banks.

Bad records cannot be revoked after the arrears are settled, but they can be overwritten after 24 months of normal credit card repayment.

It is suggested that the overdue records should be covered with a good record of timely repayment after the arrears are settled. The credit information system of the People's Bank of China can only query the repayment records of credit cards in the last 24 months.