The process of filing an overdue credit card lawsuit is that you first need to prepare relevant materials and then file a lawsuit with the court. The court needs to make a decision within 48 hours on whether to accept the case and then start preparing the materials for delivery. Finally, a trial is held and a verdict is rendered. Regarding the issue of "overdue credit card prosecution process", I will give you detailed answers below. If you have other related questions, you can consult a professional lawyer.

1. Credit card overdue prosecution process 1. The bank prepares the prosecution materials and files a lawsuit with the court. The court will make a decision within 48 hours whether to accept the case. If it is accepted, it will issue a receipt of filing. If it is not accepted, it will issue a receipt. The reason for rejection will be stated. 2. 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. 3. If the defendant can contact and is willing to mediate, and if the two parties can reach an agreement through mediation before the trial, the mediation result will be followed. If an agreement cannot be reached, a court hearing will be scheduled. 4. If the defendant is absent from the court session, the court will make a default judgment based on the relevant evidence submitted by the bank plaintiff. The default judgment is also enforceable and the judgment will be sent to the defendant's registered address by email. 5. If the defendant fails to perform its repayment obligations in accordance with the provisions of the judgment, the bank plaintiff only needs to apply for corresponding execution against the defendant according to the process, and then a series of assets in the name of the defendant, including bank cards, etc., may be seized, frozen, and deducted. . 6. If the defendant has no enforceable property and the plaintiff continues to apply for execution, the defendant may be listed as a dishonest person subject to execution, commonly known as a Lao Lai. Until all arrears are paid, the defendant can apply to the court to withdraw from the list of dishonest persons subject to execution.

2. How does the bank deal with overdue credit card payments? 1. SMS collection: mainly aimed at early cardholders who have overdue repayments, usually 7-15 days overdue, and short interest rates mainly serve as reminders. 2. Telephone collection: Mainly for overdue behavior that exceeds 30 days and covers more than one bill, telephone reminders are made for repayment. 3. Door-to-door collection: Mainly for overdue payments of more than 90 days, the bank will arrange collection personnel to visit the cardholder's residence or work address to collect repayment. 4. Court prosecution: Mainly for cases that are overdue for more than six months, the bank will apply to the court and require the cardholder to sue for repayment. 5. Outsourced collection: Mainly for overdue funds of more than one year, the bank will package the overdue funds and give them at a discount to an outsourced collection company, which will be responsible for collecting overdue debts.

3. How to deal with overdue credit cards 1. Quick remedy for overdue credit cards. If you encounter an overdue credit card, you should immediately call the bank service number to explain that the debt is not malicious and pay the debt in a timely manner. Under normal circumstances, banks will have a grace period of 3 days. Once a cardholder finds that his or her credit card is overdue, please handle it immediately to avoid leaving a bad record. 2. How to deal with bad records. If a cardholder has already left a bad record in the bank, do not rush to cancel the card after paying the outstanding balance and explaining the situation. Once the card is canceled, the personal credit record cannot be updated, and the bad record will be It has been recorded in the bank, causing serious consequences. The correct approach is to continue to use this credit card and maintain a good credit record for at least 2 years. This will basically not have any impact on personal mortgages, loans, credit card applications and other businesses. At present, the retention period of credit records in my country is 5 years. In actual use, don’t hold out hope that overdue credit cards will be remedied or bad records will be eliminated, but you should use your cards rationally. Developing good credit card and repayment habits, timely repayment, and not overdue are the basis for ensuring a good credit record.

Remind you: If the credit card is overdue for a long time, usually more than three months, the local bank can take litigation to resolve the credit card dispute. After receiving this case A summons for the court session and a notice of response to the lawsuit will be served. And in fact, at this stage, people who have not returned their credit cards overdue can actively negotiate with the other party to resolve the issue.