1. What should I do if my credit card is sued by the bank?

if the credit card is sued by the bank, it can be actively negotiated with the other party to solve it. Overdue credit cards can be solved in the following ways:

1. Use the minimum repayment function. Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. However, the minimum is to charge interest, five ten thousandths of interest every day, so it is only necessary to pay the minimum. Although the pressure will be reduced, compound interest will occur, which will be relatively troublesome and can only be used for temporary delay.

2. Use the staging function. If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide the ability of installment 3, 6, 9, 12, 18 and 24, and you can choose the number of installments according to your repayment ability, which can alleviate the repayment pressure and will not affect your credit.

3. Change the billing date to extend the repayment period. The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, and some banks can only change it once.

4. Take the initiative to negotiate with the bank. If you really can't pay it back for a while because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious and there are reasons, discuss whether you can delay the repayment, and never ignore the bank by changing the phone, so that your personal credit will be lost unless you don't deal with the bank in the future.

second, what are the consequences of not returning the credit card?

1. High interest will be charged if it is overdue

After users use credit cards to overdraw, there is generally an interest-free repayment period ranging from more than 2 days to more than 5 days. If the cardholder fails to fully repay the overdrawn money during this interest-free repayment period, then all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the revolving daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.

2. There will be a credit card late fee.

the late payment fee for credit card refers to the fee that the cardholder should pay to the issuing bank according to the regulations when the repayment date is not due or the repayment amount is less than the minimum repayment amount. At present, most banks, such as China Merchants Bank, China Construction Bank, ICBC, and Shenzhen Development Bank, have a standard of 5% of the unpaid part of the minimum repayment amount. The minimum late payment fee for the dragon card of China Construction Bank is 5 yuan RMB, while the minimum late payment fee for the dual-currency credit card of China Merchants Bank is 1 yuan RMB or US$ 1.

3. Bad credit records will be generated.

Credit card users' overdue repayment will be recorded in bad credit records, and the basic database of personal credit information has been networked nationwide. As long as individual residents have handled lending business in banks, applied for credit cards, or provided guarantees for others, they can find credit reports in any domestic commercial bank. For customers with bad records, BOC will treat them with caution when handling loans in the future, and may require customers to provide mortgage and guarantee, which may reduce the loan amount, raise the loan interest rate or even refuse the loan. On the contrary, if there is a good record in the credit report, it will be possible to enjoy preferential treatment in the amount and interest rate in the future credit business.

In contemporary society, if there is a case that the credit card is overdue and is sued by the bank, then at this time, you should also actively participate in the litigation activities and actively communicate with the other party, and try to deal with it by negotiation. You can show your repayment attitude to the other party, and then deal with it by installment or deferred repayment.