If the credit card is overdue, it doesn't matter even if it is sued by the bank. You can communicate and negotiate with the bank to explain the actual situation. If the bank contacts the dunning, don't deliberately avoid calling. What if the credit card fails to be sued by the bank? The following is a detailed answer from the network editor. 1. What should I do if my credit card is overdue and I can't afford to be sued by the bank? 1. Don't lose contact: the bank staff will always contact you after the deadline, but don't deliberately avoid these calls. After connecting the phone, you should explain your willingness to repay and the current economic pressure in time and apply for an extension of some dates. 2. Express your willingness to repay to the bank: When the credit card is overdue, you must not ignore it. First of all, you should get in touch with the bank to show your current economic situation and express your willingness to repay. I hope that the bank will coordinate and customize a reasonable repayment plan, and then work hard to make money and pay off the arrears slowly. 3. Negotiate repayment with the bank: In this case, there is generally no executable property under the name of the court, and the court will mediate between the two parties and stop the loss. In general, the cardholder needs to pay the arrears of interest and late fees, and then sign a personalized installment repayment agreement with the bank to divide the arrears into 12-60 installments. During this period, the bank will stop collecting money, but the cardholder must repay the money according to the agreement every month. Second, the consequences of overdue credit card 1, overdue credit card penalty. The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the repayment date is overdue or the repayment amount is lower than the minimum repayment amount. 2. Overdue interest. After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%. 3. Bad credit record. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records. 4. Litigation costs. If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to send a lawyer's letter to the user and bring a lawsuit to the court, and the litigation expenses will be borne by the cardholder. 5. Criminal responsibility for malicious overdraft. Iii. Processing method of overdue credit card 1. Quick remedy for overdue credit cards If you encounter overdue, you should immediately call the banking service number, indicating that it is not malicious arrears, and pay the arrears in time. In general, banks will have a three-day grace period. Once the cardholder finds that the credit card is overdue, please deal with it immediately to avoid leaving a bad record. 2. How to deal with bad records If the cardholder leaves a bad record in the bank, don't rush to cancel the card after paying off the arrears and explaining the situation. Once the card is cancelled and the personal credit record cannot be updated, the bad record will always be recorded in the bank, causing serious consequences. The correct way is to continue to use this credit card and maintain a good credit record for at least 2 years, which will basically not affect personal mortgage, loan, credit card application and other businesses. At present, the retention period of credit records in China is 5 years. In actual use, don't hope to remedy the overdue credit card or eliminate bad records, but use the card rationally. Developing good credit card and repayment habits, paying on time and not overdue are the basis to ensure a good credit record. The above is the related content compiled by Bian Xiao. It is dangerous to be sued by the bank after the credit card is overdue. First of all, you should communicate effectively with the bank, and then negotiate with the bank about repayment. In the case that the parties are really unable to repay, they can generally communicate. If you have other needs, please do one-on-one legal consultation online.

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Article 123 of the Civil Procedure Law: A lawsuit shall be filed with the people's court, and copies shall be submitted according to the number of defendants. If it is really difficult to write a complaint, it can be made orally, which will be recorded by the people's court and the other party will be informed. Article 128 The people's court shall send a copy of the indictment to the defendant within five days from the date of filing the case, and the defendant shall submit a reply within fifteen days from the date of receiving the indictment. The defense shall specify the defendant's name, gender, age, nationality, occupation, work unit, residence and contact information; The name and domicile of the legal person or other organization and the name, position and contact information of the legal representative or principal responsible person. The people's court shall send a copy of the defense to the plaintiff within five days from the date of receiving the defense. If the defendant fails to submit the defense, it will not affect the trial of the people's court.