Credit cards have indeed harmed many young people, but they have enriched banks. Especially in the special year of 2020, how many people have overdue credit cards, and their personal credit reports have been stained or blacklisted.

The money I owe to a bank credit card is overdue even though I have no money. I have been sued by the bank. Even if you encounter this situation, don’t panic. Calm down and think of a way to deal with it. You can deal with it according to the following methods.

Step one: Contact the bank proactively and ask the bank to withdraw the lawsuit

The reason why the bank sued was because the credit card was overdue.

The purpose of the bank's lawsuit is to get the credit card debt back with interest.

So the solution to this problem is to contact the bank proactively, ask the bank to withdraw the lawsuit, and promise to pay off the debt with interest.

Step 2: Take the initiative to negotiate the repayment with the bank

The purpose of proactively contacting the bank to withdraw the lawsuit in the first step above is to buy time for you to resolve the repayment. As long as the bank agrees to withdraw the lawsuit, Moreover, the debtor will not disappear. If he promises to repay, the bank will not sue.

After withdrawing the lawsuit, take the initiative to contact the bank to negotiate repayment. Explain your personal situation clearly to the bank and negotiate a repayment method with the bank. For example, if you apply for continued deferred repayment, installment repayment, minimum repayment, etc., as long as the bank agrees.

The third step: solve the repayment issue and enter the road of repayment

After the above two steps, we have basically negotiated with the bank, and the bank has also agreed to the repayment plan. The most important thing is to do your best to pay off the credit card debt and make up for the hole in the credit card debt.

For example, if you work hard and pay off your credit card as soon as you receive your salary every month, you can pay it off month after month. Of course, you can also borrow money from relatives and friends first, pay off the credit card debt in one go, and then continue to work hard to make money to pay back the money to relatives and friends. This can save some interest on the credit card debt.

Step 4: Stay away from credit cards

People have to learn a lesson. If you have already suffered a big loss on a credit card, you must improve your memory and not fall into the fire pit of a credit card again. .

Be sure to cancel all credit cards and vow not to touch credit cards in the future. Only in this way can we truly avoid the next credit card tragedy from happening again.

Summary and inspiration about credit cards

Credit cards are something that people love and hate at the same time.

What I love is that it is easy to borrow money with a credit card. You can borrow money with a credit card when you are in a hurry, because it is difficult to borrow money in this society, but it is easy to borrow money with a credit card.

What I hate is that credit cards have high interest rates, and they still need to be repaid. The most important thing is that they need to be registered in the credit reporting system. They are also addictive, so many people have been harmed by credit cards.

I appeal to everyone again to try not to touch credit cards and stay away from credit cards just like drugs.

But if you must open a credit card, remember that credit cards are used to help people in emergencies but not to help the poor. If you use credit cards to help the poor, it will only make you poorer and poorer.