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What should I do if my credit card receives an overdue warning letter?
There is no need for the debtor to be afraid when collecting it, but to remain calm. The warning letter was not issued by the court. If the case is filed for review, the court will serve the summons on the defendant. Among the relevant documents received and served by the court, no such documents were reported to the police. Generally, other citizens or units issue similar warning letters, which only serve as reminders or notices and have no legal effect. Repayment should be actively carried out.

legal ground

Article 113th of the Civil Procedure Law of People's Republic of China (PRC), 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 receipt. If the defendant submits a defense, the people's court shall send a copy of the defense to the plaintiff within five days from the date of receipt. If the defendant fails to submit the defense, it will not affect the trial of the people's court.