Under normal circumstances, the credit card is overdue for half a year, and the text message you received to sue is real.
If you still have any doubts, you can call the customer service of the bank corresponding to your credit card for consultation. Credit card prosecutions are divided into two categories: civil litigation and criminal litigation. In criminal litigation, the cardholder meets certain conditions, the bank calls the police, the public security agency files a case, and the procuratorate prepares materials for prosecution.
It will take about three to four months. It is best to actively negotiate with the bank to fulfill the repayment obligations before filing a lawsuit. This can play a very important role in the court's decision and win a reduced sentence or exemption. to criminal liability.
Extended information:
The introduction of credit card overdue is as follows:
Credit card civil lawsuits generally involve cardholders with a small overdue amount and negotiation with the bank for various reasons. If it fails, the bank will sue the bank to the court. Most of these lawsuits need to be served by public announcement because the whereabouts of the cardholder are unknown.
The case trial period is more than twice that of other ordinary civil cases, generally taking about 4 months. Here we refer to the general private loan dispute litigation process, which is divided into several stages. Credit card litigation is a contract dispute litigation. The credit card application regulations generally stipulate the jurisdiction of the court, which is usually the court where the bank's credit card center is located.
Xinhuanet - A man who maliciously overdrafted more than 250,000 yuan on his credit card and failed to repay it constituted fraud and was sentenced to 5 years in prison
People's Daily Online - Three reasons for overdue credit card repayments