Credit card debts can be brought to court in the following situations:

a. The collection by the bank is invalid, and the overdraft of principal and interest exceeds 1,000 yuan;

b. Control of the debt Customer deposits and other property information need to be frozen and judged by the court;

c If you are sued by your peers due to non-payment of debts, you need to participate in the collection together.

1. Failure to repay for more than 3 billing cycles is already serious.

Attitude is very important. Take the initiative to go to the local card department of the card issuing bank to explain the actual situation. Be sure not to avoid it, otherwise the bank will think you are maliciously defaulting. Even if you cannot repay the full amount, you should try to pay back a portion to show your sincerity.

2. If bank collection is ineffective, judicial collection will be adopted, which means collection by lawyers. Finally, it will enter the judicial process.

3. Overdue records will automatically enter the credit reporting system of the People's Bank of China, and banks do not need to report them. The bad records will not be canceled after the debt is settled, but will only be overwritten in the system 24 months after the settlement.

A bad personal credit record will bring you a lot of trouble when applying for personal loans and other bank credit cards.

4. Although the overdue records cannot be erased, they can be overwritten after 24 months of on-time repayment during future use.

Only the records of the last 24 months can be queried in the credit reporting system.