I owe China Merchants Bank a credit card of RMB 14,000, which has been overdue for three months. The bank said that it would file a lawsuit with the Public Security Bureau. First, I should negotiate with the bank for repayment. If the negotiation cannot be reached, we should actively respond. If you file a lawsuit, you must negotiate a repayment plan in court with the coordination of the judge. You need to express your strong willingness to repay, and you must actively repay in the future. During the process, prepare your materials, documents proving your liabilities and income, and submit them to the bank, usually a credit report, and income certificate issued by the company or unit, etc., to prove that you have stable repayment ability.

In fact, you should try to negotiate interest-free installment repayment at the very beginning, but the premise is that you must have the ability to repay. The professional term is called interest-free suspension of debt. It does not mean where the interest-free suspension is, but also the interest-free suspension of debt. If monthly repayments are required, according to Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", under special circumstances, if it is confirmed that the repayment amount exceeds the cardholder's ability to repay, and if the cardholder is willing to repay, he or she may apply to the card issuer. The bank negotiates on an equal footing and reaches a personalized repayment installment agreement, with a maximum period of no more than 5 years.

1. The professional term is called interest-free and suspended accounts. It does not mean where the interest-free and suspended accounts are hung. Interest-free and suspended accounts also require monthly repayments. According to Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", In special circumstances, if it is confirmed that the repayment amount exceeds the cardholder's repayment ability and the cardholder is willing to repay, he or she can negotiate with the card-issuing bank on an equal footing to reach a personalized repayment installment agreement, with a maximum period of no more than 5 years.

2. According to relevant regulations, if a credit card holder cannot repay the minimum repayment amount for three consecutive months and has effective collections from the bank more than two times, the credit card issuing bank has the right to file a lawsuit in court. However, in reality, because going through the litigation process involves costs, banks will usually contact the cardholder first to see if the credit card can be repaid. If the cardholder is malicious and wants to default, or cannot be contacted after changing the contact information, and the credit card balance owed is relatively large, the issuing bank will usually prosecute the overdue credit card.