Legal analysis: First of all, you should write down your personal information in your defense, state the reasons for not paying back in time, and produce evidence to prove that you did not intentionally breach the contract.

1. You must not escape, you must actively respond to the lawsuit. In fact, this is also a good opportunity for negotiation.

2. Respond actively and try to reach a compromise result through negotiation. Generally speaking, credit card overdue lawsuits are tried by financial courts. To put it bluntly, it means supporting banks to negotiate with debtors. The bank only entrusted a lawyer, and it was also a case of collective prosecution by the bank that day. Not only did you come, but many people were sued by the bank in batches.

Legal basis: Article 21 of the Civil Procedure Law of People's Republic of China (PRC) stipulates that it shall be under the jurisdiction of the people's court of the defendant's domicile; If the defendant's domicile is inconsistent with his habitual residence, it shall be under the jurisdiction of the people's court of habitual residence. A civil lawsuit brought against a legal person or other organization shall be under the jurisdiction of the people's court where the defendant is domiciled. Where the domiciles and habitual residences of several defendants in the same lawsuit are under the jurisdiction of two or more people's courts, they shall be under the jurisdiction of each people's court.