I owe more than 8,000 to China Merchants Bank on my credit card, and now I have no money to pay it back. Will I still be sued if I default on my credit card for two months? It was originally a quota of 5,000. It will be given to me at the end of the year.

According to your description, if the repayment is delayed for more than two months, the following situations may occur:

1. Risk of bank prosecution: two months in arrears on the credit card and failure to contact the bank Communicating with the bank to resolve repayment issues may result in the bank taking legal action against you.

2. Overdue repayment fees: Each overdue payment will incur fees such as penalty interest and late payment fees, which will increase your repayment burden.

3. Damaged credit record: Late repayment will have a negative impact on your credit record, which may affect your approval rate when applying for financial products such as loans or credit cards in the future.

4. Collection actions: Banks may entrust collection agencies to take measures to collect debts, including phone calls, letters, door-to-door collections, etc.

It is recommended that you take the following steps as soon as possible:

1. Contact the bank: Take the initiative to contact China Merchants Bank and explain your dilemma, and seek a repayment plan and deferred payment agreement.

2. Repayment arrangement: Discuss with the bank to formulate a reasonable repayment plan to ensure that the debt is paid back on time and avoid further legal disputes.

3. Financial adjustment: Consider adjusting your personal financial situation and looking for a job or other sources of income to increase your repayment ability.

4. Establish a budget: Develop a reasonable monthly budget to ensure that repayment is a priority.

5. Credit repair: Actively improve personal credit records and rebuild good credit through on-time repayment and financial planning.