1. How about filing a lawsuit against a bank for overdue credit cards?

1. After being sued and filing a case, see if the lawsuit can be withdrawn, and then you can try to apply for an extension. Don’t lose contact. Bank staff will continue to contact you after the due date, but don’t deliberately avoid these calls. After answering the phone, you should promptly clarify your willingness to repay and your current financial pressure, and apply for a grace date.

2. If you agree to withdraw the lawsuit, apply for extension, and repay the debt in installments on time according to the new repayment plan; when you express your willingness to repay to the bank and the credit card is overdue, you must not ignore it. First of all, you need to get in touch with the bank, indicate your current economic situation, take the initiative to express your willingness to repay, and hope that the bank will coordinate and customize a reasonable repayment plan, and then work hard to make money and slowly pay off the debt.

3. The court has accepted the judgment and the debt must be paid off in a timely manner according to the judgment. If you refuse to repay, you may be listed as a dishonest person by the court. Negotiate repayment with the bank. In this case, there is generally no enforceable property in the name of the court, and the court will mediate between the two parties to stop the loss. Under normal circumstances, cardholders need 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 payments, but the cardholder must repay the amount agreed in the agreement every month.

2. What will happen if the credit card is overdue?

If the cardholder does not repay the full amount after the due payment date and does not choose the minimum repayment amount, the bank will generally The following measures are taken:

1. Make reminder calls or send reminder letters to those whose credit cards are overdue.

2. If you are overdue more than 6 times and fail to repay once, you will be blacklisted by the "Personal Credit Information System" of the People's Bank of China. The bank will freeze the credit card account of the overdue person and add the overdue person to the blacklist. The list and debt record may be fed back to the People's Bank of China's personal credit reporting system, affecting the cardholder's personal credit record and causing the cardholder to be unable to apply for a housing mortgage loan normally.

3. If the overdue amount of the credit card is large (principal of more than 10,000 yuan), overdue for more than three months, and the bank has called for it twice but still has not repaid, it is a malicious overdraft on the credit card, which constitutes the crime of credit card fraud. If the amount is relatively large, the person will be sentenced to fixed-term imprisonment of not more than 5 years. If the amount is huge, the person will be sentenced to fixed-term imprisonment of not less than 5 years but not more than 10 years. If the entire amount owed can be paid off in time before judgment, the criminal penalty can be reduced and exempted.

There is a possibility of being sued by the bank for overdue credit cards. Generally, after receiving the indictment, it must be dealt with in a timely manner and you must show your willingness to repay. If you choose to ignore it after it is overdue, Yes, in addition to facing prosecution, you will also bear high interest rates, and your credit report will be damaged as a result, which will have an impact on your future work and life.