If you are sued for an overdue credit card, you will receive a court summons before the trial. There is no problem of unilateral SMS notification. If the bank chooses to sue, the bank will mail you a lawyer's letter, and the court will also mail you a notice of acceptance. The court will mail you a summons before deciding to open a court hearing.

1. Once a credit card is overdue, the bank will usually notify the cardholder via text message or phone call; if the payment is still in arrears, the bank will outsource it to a third-party company for collection; finally, the bank will choose If a lawsuit is filed, there will usually be at least 4 months between the time the credit card is overdue and the bank formally files a lawsuit.

2. When you receive the acceptance notice or summons mailed by the court, you can call the court to confirm. Now many collection companies will pretend to be the court and produce documents to scare the debtor to achieve the purpose of collecting repayment. . Once it is confirmed that you have indeed been sued by the court, you should prepare to respond.

3. According to relevant regulations, formal legal documents (summons, judgments, etc.) need to be delivered to the parties in writing (express or otherwise) without the consent of the person concerned. And a signature is required. In the unlikely event that the party concerned cannot be contacted, such as the express delivery being returned, the address being wrong, or the phone being unavailable, it must be served by way of announcement (in newspapers or court announcements). Otherwise, it will not have any legal effect. Therefore, unilateral text message notifications are generally collection text messages to exert pressure.

If you find that your credit card is overdue and you cannot deal with the debt in a short period of time, the most effective way is to keep your phone open, do not lose contact, and express your willingness to repay to the bank. It is best to negotiate for repayment in installments. plan. This avoids the risk of collection and prosecution. And the policy stipulates that arrears can be divided into up to 60 installments without interest.

If you have a fixed income and cannot negotiate on your own, if financial conditions permit, you can entrust a professional organization to negotiate. After all, professional people do professional things. This method can completely avoid prosecution and collection, but the premise is that you can repay the loan normally after negotiation.