1. What should I do if my credit card loan is 80,000 yuan?

If the credit card is overdue for 80,000 yuan, the treatment method is as follows:

1. If the credit card is overdue for more than 80,000 yuan, you can take the initiative to contact the bank and apply for the minimum repayment amount or installment repayment;

2. Show the bank a strong willingness to repay, and explain that it is not a malicious debt, but because some special wishes cannot repay the debt;

3. According to your own economic situation, negotiate a repayment plan acceptable to both parties and pay it off on time. If it is deemed as malicious overdraft, it will be subject to criminal proceedings. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

2. What is the process of being sued for overdue credit cards?

Credit card overdue prosecution process:

1. After the credit card is overdue, the bank will first collect the overdue users for 3-6 months.

2. If the cardholder still fails to repay after the dunning, there will be two situations: one is to list the date of bad debt prosecution as undetermined, and the other is to prepare to submit the prosecution materials.

The court will investigate the truth after receiving the litigation request from the bank. If the court can determine the cardholder's long-term arrears after investigation, the court will ask the bank for the cardholder's personal information.

4. Banks need to prepare litigation materials and submit them to the court.

5. After receiving the litigation materials from the bank, the court will generally examine and approve them within 7 days. If it is accepted by the court after approval, it will issue a summons and litigation materials to overdue users.

6. After receiving the summons, the cardholder may apply for out-of-court mediation with the bank to negotiate repayment. If the negotiation fails, the case will be tried, made public and decided.

7. After the civil judgment, if the overdue user fails to repay the loan within the time limit stipulated in the judgment, the bank has the right to apply for compulsory execution.

8. When the court accepts the execution, it will inquire about the real estate, automobile products, securities and deposits under its name according to law.

9. Those who refuse to carry out the effective judgment of the court will be restricted from flying, high-speed rail, high consumption and entry and exit, and may even be detained in judicial custody for 7- 15 days.

If the credit card has not been repaid, the cardholder can take the initiative to contact the issuing bank, truthfully tell his own situation and explain the reasons for his inability to repay at present. I hope the bank can discuss the development of personalized staging. In addition, the cardholder can apply for the minimum repayment function of the credit card and pay part of it first, so that there will be no overdue record.