1. What should I do if 1069 starts with saying that I will sue if my credit card is overdue?

1. First, confirm whether you have applied for a credit card. If not, or if you have applied for a credit card but have not applied for it, Make sure you repay the loan on time every month, then you can confirm that this is a scam. This is a common method used by fraudulent text messages. It is recommended to block the messages as harassment and especially not to reply. At the same time, you can call the 12321 Report Acceptance Center to make a report, or you can log in to the 12321 official website to make a report.

2. If you are indeed overdue, first estimate how much you owe and how long it is overdue. You must know that there is a collection system before being sued by the card issuing bank. It is impossible for the cardholder to directly drag the debt until he is sued. Prosecution. In this case, it is best to contact the card-issuing bank, rather than being panicked by phone calls from unknown sources because of a guilty conscience about overdue payments.

2. How much money will be sued for if the credit card is overdue?

1. Under normal circumstances, when the cardholder’s overdue amount exceeds 10,000, he may be sued by the bank, but the bank only wants to There is no cost and the collection process starts with a phone call or text message. If the cardholder ignores these collection methods when the card is overdue, he may be collected at his door.

2. When the overdue period exceeds three months, the impact will be serious. Not only will the bank put you on the credit blacklist, but you will also be prosecuted. If the amount owed at the same time exceeds 50,000, it is easy to be convicted of fraud of "malicious overdraft". This is no joke. Owing money is originally a civil liability, but once the charges are confirmed, you will be held criminally responsible.

3. What will happen if the credit card is sued?

1. First of all, contact the bank immediately, explain the reason for the overdue payment in a tactful manner, and actively express that you will pay the full amount with interest. To pay off, the bank basically has room for negotiation. After all, the purpose of the card issuer's lawsuit is to recover the debt, not to put the debtor in jail.

2. Communication and repayment are necessary after being sued, but by this time the interest has already rolled up, and it may be even more difficult to pay back. In fact, when you predict that you will not be able to repay the loan, you should negotiate with the bank before the repayment date, or pay the minimum repayment amount of 10 per month. If you still can't come up with the money after being sued, you may be jailed.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong. I wish you success in safeguarding your rights.