I owe 150,000 to my credit card and haven’t paid it back for 3 years. What should I do if I receive a court summons? If a cardholder owes 150,000 yuan in credit card debt, and the bank chooses to sue the cardholder after three years of collection without success, the cardholder may face serious consequences. First of all, cardholders will face relatively large late payment fees. Although it is stipulated in the 2021 Civil Code Credit Card Overdue Regulations that the maximum late payment fee cannot exceed 5% of the current minimum repayment amount. However, the cardholder owes 150,000 yuan. After calculation, the late payment fee is still quite high. In addition to owing huge late fees, the court will also force cardholders to repay. If the cardholder fails to repay the debt, the court will freeze the property in the cardholder's name for inventory and then use it to repay the debt. If the property in the cardholder's name is not enough to repay the debt, the cardholder may be listed as a defaulter by the court. Once a cardholder is listed as a person subject to enforcement for breach of trust, the consequences he needs to bear will be more serious. First, various consumption and travel will be restricted, and secondly, family members and their children will be affected. If the cardholder's children want to attend some political schools in the future, they will most likely not be admitted. And if you owe more than 50,000 yuan in credit card bills, you can file a case. If the bank files a criminal lawsuit against the cardholder, the cardholder may also be punished. The above is the relevant content sharing about "I owe 150,000 to my credit card and haven't paid it back in 3 years." I hope it can help everyone!