I owe credit cards to several banks. If one bank sues, will the other banks "join the case"? In most cases no. The various banks' preservation and collection efforts are the first to take advantage of you, and the latter to suffer disaster. Your actual property is not enough to repay these debts. There will also be cases of "consolidation". The money you owe is complex in nature and has extensive social influence, which has already alarmed the municipal party committee and government; usually, the people who handle this matter are the local banks, the China Banking and Insurance Regulatory Commission and the local financial office.

If you owe credit cards to several banks, if one bank sues

they will not sue you together. But you still have to communicate with the bank to solve your debt problem, expand your sources of income, and work hard to make money to pay off your debt. How to solve your debt problem? At present, you can have two approaches: 1. Take the initiative to call the bank to explain your current debt and income situation, and express that "it's not that you don't want to repay, but because the debt exceeds your ability to repay." If necessary, you can ask The bank will provide you with proof of your personal income and liabilities, such as salary statements, credit reports, etc.

Will other banks "handle the case together"?

If your income level cannot support personalized installment repayment, then your only way is to call the bank to explain the situation, saying that you are working hard to make money to repay the debt, and hope that the bank can give you a longer period of time. During the grace period of time, do not call to collect debts every day, so that you can make money and pay off your debts with peace of mind. When you make enough money, you will take the initiative to call the bank to repay. Then, based on your income level, repay a little bit on each card every month to show your willingness to repay. When banks see that you are willing to repay, they will generally not sue you easily.

In fact, each debt is independent of each other. The court must file a case based on the bank's lawsuit. Overdue credit card payments are ultimately a civil case. The court will usually require out-of-court mediation before making a ruling. The case will be filed only if the mediation is unsuccessful. Judgment: If you continue to fail to repay, your bank account may eventually be frozen or even listed on the list of dishonest people. However, the court filing is also a "special case handling". If a bank sues you, the court will not uniformly handle the overdue matters of other banks, and will only The case will be handled and punished according to the requirements of the suing bank.