So the cardholder's credit card is overdue. When you receive a phone call or text message from the bank reminding you to pay back, don't ignore it. Even if you can't pay off all your debts for a while, you can try to pay them off. At least you can show the bank your willingness to take the initiative to repay.
When the bank sees that the cardholder is repaying, it will naturally not sue. This will also help the cardholder to negotiate with the bank later, apply for an extension, repay the loan in installments and stop paying interest. The bank will consider the cardholder's current inability to repay and unintentional overdue, and may agree to the cardholder's application to stop paying interest and postpone repayment.
Just check in: Beijian. Click "Query" and enter information to query your own credit data, including personal credit status, Internet black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount and other important data information.
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What if the credit card is overdue?
If the credit card is sued for overdue, the court will let the user negotiate with the bank first. After the negotiation is successful, the bank will withdraw the lawsuit. Therefore, in the negotiation process, users should take the initiative to facilitate the negotiation. After the negotiation fails, the court will let the user pay off the overdue arrears as soon as possible, and the user will pay off the arrears, and there will be no problems in the follow-up. If the user refuses to repay, the court will enforce it.
As it is a civil dispute that a credit card is sued for overdue, as long as the user shows that he is willing to repay and has a good attitude, the bank will generally withdraw the lawsuit.