Many users have no restraint in spending and their repayment ability can't keep up, so there is a situation that credit cards can't be repaid after the deadline. Some users have asked, can we still negotiate after the credit card is sued and filed? Then let's briefly talk about this problem for everyone, hoping that it will be helpful after reading it. can we negotiate after the credit card is sued? It can still be negotiated, because the ultimate goal of the bank is to recover the debt and let the user repay it, whether it is to collect it by phone, visit the house or sue the court. Therefore, if the user has the willingness to repay, he can respond to the lawsuit after filing the case in court, show his repayment ability and willingness, and actively negotiate a new repayment plan with the bank. According to the regulations on overdue management of credit cards, users can negotiate with banks on an equal footing. Of course, if the user is maliciously overdrawn, and the overdue amount of a single bank is more than 5,, if he still can't contact or escape after repeated collection, it is likely to be identified as credit card fraud. Once it is recognized, it is necessary to bear criminal responsibility, so users are advised to deal with it quickly after it is overdue to avoid adverse negative consequences. In addition, even if the bank does not prosecute, it is not good to report to the central bank for credit investigation, and it is easy to be rejected to apply for a loan or apply for a credit card. The above is the answer about "Can credit cards be negotiated after being sued and filed?". Generally speaking, negotiation is still possible. Users should actively and actively negotiate with banks to explain the situation and subsequent repayment plans, instead of continuing to default. The longer the default, the more serious the consequences will be.