If you are sued for a credit card in court, you should actively respond to the lawsuit, write a reply to the plaintiff's complaint, and collect relevant supporting materials at the same time, so as to protect your own rights and interests; if you should not The court will also directly make a judgment in default.

1. How to respond when a credit card is sued? When a credit card is sued, you should actively respond to the lawsuit. You can prepare the following materials to respond: 1. Identity certificate: the identity certificate of both the original and the defendant. If you borrow money If the marriage occurred during the defendant's marriage, it is also necessary to provide the defendant's marriage registration materials and the borrower's husband or wife's household registration certificate. 2. Proof of debt: contract, receipt, IOU, IOU, agreement, etc. 3. If the debtor has repaid part of the debt, evidence of repayment must be provided. 4. Interest: If the interest is not agreed in writing, evidence of the debtor’s payment of interest must be provided to calculate the interest rate, etc. 5. Proof of guarantee or mortgage, and proof of debt transfer. 6. If you request pre-litigation property preservation or property preservation, provide the storage location, quantity and value of the property that can be preserved, and the bank deposit bank and account. 7. Other evidence materials that can prove the case. Actively respond to appeals and strive to negotiate a compromise result. Generally speaking, overdue credit card lawsuits are heard in financial courts. To put it bluntly, they support the negotiation between the bank and the debtor. The bank was just an entrusted lawyer. On that day, the bank sued in batches. It was not just one person who came, but many people who were sued by the bank in batches.

2. What kind of results will there be after the prosecution? There are generally two situations, one is that the negotiation has no result, and the second is that the negotiation has the result. 1. If the negotiation fails, the court will decide to pay off the debt within the agreed time. If you can't pay it off, it will be more troublesome. A case in which a person was sued for an overdue credit card and became a breach of trust executor. 2. The negotiation has results. The cardholder and the bank successfully negotiate the installment, and then both parties sign a repayment agreement in accordance with the agreed results. Of course, the bank cannot give too long time to repay the debt. Therefore, this result still puts a lot of pressure on debtors. There is also a buffer time given by the bank to the debtor, allowing the parties to settle the debt at once. The result of the negotiation is a one-time repayment of the principal after one year. The bank doesn’t want interest or liquidated damages. Based on what has been said above, if you do not return your credit card in time and receive a summons from the court, you need to actively respond and find evidence for your defense based on the relevant circumstances of the case. Only in this way can your rights and interests be better protected, so , when handling, it needs to be handled based on the actual situation. Only when the evidence is complete will the court give a correct judgment.