1. How long will the overdue credit card be prosecuted?

After the credit card overdue lawsuit is filed, the court will determine the court session time, and notice will be received three days before the court session.

code of civil law

Article 139

When trying a civil case, the people's court shall notify the parties and other participants in the proceedings three days before the hearing. If the hearing is held in public, the names of the parties, the cause of action, the time and place of the hearing shall be announced.

2. What are the circumstances in which the court session is postponed after the credit card is overdue?

(a) the parties who must appear in court and other participants in the proceedings have justified reasons for not appearing in court;

(2) The party concerned temporarily applies for withdrawal;

(3) It is necessary to notify new witnesses to appear in court, obtain new evidence, re-authenticate, conduct an inquest or make supplementary investigations;

(4) Other circumstances that should be postponed.

3. What is the trial process after the overdue court session?

1, court investigation.

Both sides state the facts of the case.

2. Proof and cross-examination.

Inform witnesses of their rights and obligations, witness to testify in court, read out the testimony of witnesses who did not appear in court, and produce documentary evidence, physical evidence and audio-visual materials; The two sides expressed their opinions on the evidence materials.

3. Court debate.

The parties concerned debate and demonstrate controversial facts and legal issues.

4. Court mediation.

Under the auspices of the court, the two sides agreed to settle the dispute.

If a mediation agreement is reached, a mediation agreement shall be made, which shall take effect after being signed by both parties, and the parties shall perform the contents of the mediation agreement or apply for execution; If no mediation agreement is reached, the collegial panel shall make a judgment (ruling).

4. What should I do if my credit card is sued for overdue?

1, full repayment.

If possible, the late payment fee of the credit card and the corresponding interest should be refunded.

2. Negotiate with the bank.

If you really have no repayment ability, you can explain your actual situation to the person in charge of the bank and negotiate other solutions with the bank.

3. Cooperate with litigation.

There is no money to pay back, no settlement with the bank, only litigation waiting.

For cardholders, if the facts and reasons stated by the issuing bank are completely in line with the actual situation, they should fulfill their repayment obligations as soon as possible before the court session. If you really can't pay back your credit card and can't reach a settlement agreement with the issuing bank, you must respond to the lawsuit according to law. For example, if the defense is not submitted within the specified time, the court will try it according to law.