1. How long does it take for the credit card to be sued for overdue until the court session? It usually takes three months. 1. The time from the credit card prosecution to the court session depends on the procedure of the court hearing the case. After the indictment is delivered to the court, it should be reviewed within seven days to decide whether to file a case or not, notify the parties and hold a court session within three months, and the Bank will sort out the litigation materials and file a lawsuit with the court. 2. The court will decide whether to accept or not within 48 hours. If accepted, a record receipt will be issued. If it doesn't accept it, it will explain the reasons for not accepting it. If the defendant can contact and is willing to mediate, if both parties can reach an agreement before the court session, it shall be determined according to the mediation results. 3. If no agreement can be reached, a court session will be arranged. Once the bank accepts the lawsuit, it will ask the clerk to call the defendant who can be contacted. Before the formal hearing, the court will organize pre-litigation mediation.
second, how to deal with the overdue lawsuit of the credit card. After the bank sued you, there is still a long time until the court session, and you have plenty of time to mediate with the bank before the court session. At this time, you only need to pay off the money with interest, and the bank will be satisfied with withdrawing the lawsuit the next second. Of course, if you had money, you probably wouldn't have dragged it to this point. At this time, you should take a positive attitude to pay back the money, communicate and negotiate with the bank, explain that you are not maliciously overdue, but have special financial difficulties, and ask for an extension of the deadline and a personalized installment. First, you should give an overview of your debts and see how much money you can repay at your current level. Then you should try your best to repay part of it and show your sincerity to the bank. The rest of the negotiations are divided into stages, which is not so easy to negotiate. You must at least have unemployment, bankruptcy due to epidemic situation, serious illness and other reasons before you can talk. After all, if you overdraw your credit card at will, the bank will not pay for your selfish desires, so you should sue. If you can't negotiate, or do nothing, just wait until the trial, then you should be mentally prepared.
third, will you go to jail if you are sued for overdue credit card? It is possible to go to jail if you are sued, but only if the principal is more than 5, yuan, the crime of credit card fraud with malicious overdraft will go to jail. The overdue logistics answered the phone call from the bank, and even took the initiative to pay back a little from time to time, but it was still difficult, just like you disappeared directly after the overdue. This malicious overdue nature is definitely different. So please pay attention, don't avoid the collection after the deadline. If there is no malicious overdraft, or if the principal owed is less than 5,, the biggest probability of not paying back the money after such a lawsuit is not to go to jail, but to become the person who has broken his promise, that is, Lao Lai, and the consequences are quite uncomfortable. It can be seen that it usually takes about 3 months for a court session from the time when the user is overdue to being sued by the bank. If you pay a small amount of money every month during the overdue period, and the collection phone is answered, you promise to try your best to repay it, and the bank will not sue the parties for the time being. Therefore, it is necessary to have a positive repayment attitude to avoid legal proceedings by the bank.