The credit card civil litigation process is as follows:

1. The bank notifies the cardholder to repay, and he or she will be sued if he does not repay;

2. The bank formally files a lawsuit. Then the cardholder will receive a subpoena;

3. The subpoena may be sent to the cardholder's home or work;

4. Then the cardholder will appear in court on the day of the court session. The court will then sentence the cardholder to repay the money and formally notify the cardholder of the consequences of not repaying the money;

5. If you insist on not repaying the money, the bank will apply for enforcement and confiscate the cardholder's finances;

6. If the cardholder still insists on not returning the card, he shall bear criminal liability.

What will happen if you are sued for overdue credit card payments?

If you are sued for overdue credit card payments, it depends on the situation:

1. Overdue for 3 days. As long as the payment is made within the repayment grace period, it is not considered overdue;

2. If it is overdue for 30 days, the cardholder will need to pay overdue penalty interest or late payment fees, which will also affect the cardholder's credit report. During this period, cardholders can try to negotiate repayment with the bank, such as suspending the interest rate and signing a personalized installment agreement. The debt can be repaid in 60 installments over 5 years, but the requirements will be relatively high;

3. If the card is overdue for 90 days, it will be deemed as maliciously overdue by the bank, resulting in a bad debt, and the cardholder will no longer be able to apply for any credit products. Malicious overdue payment will not only require you to pay penalty interest and late fees, which will affect your personal credit score, but you may also be subject to criminal liability, which is a penalty.

Legal basis: Article 3 of the "Civil Procedure Law of the People's Republic of China"

The People's Court accepts disputes between citizens, legal persons, other organizations and their mutual The provisions of this Law shall apply to civil lawsuits filed due to property relations and personal relations between two persons.

Article 9

When hearing civil cases, the People's Court shall conduct mediation based on the principles of voluntariness and legality; if mediation fails, a judgment shall be made in a timely manner.