when the credit card is overdue to send a summons to the court, it has been overdue for a long time, and it is necessary to immediately repay the amount owed by the credit card and pay the corresponding interest and late fees. If you don't take any repayment measures after receiving the summons, it is very likely that you will be identified as malicious overdraft by the court and you will have to bear serious legal consequences. After receiving the summons, you can actively negotiate with the bank to reduce the adverse consequences caused by overdue credit cards.

Legal basis

Article 196 of the Criminal Law of the People's Republic of China * * * commits credit card fraud in any of the following circumstances. If the amount involved is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: < P > (1) using a forged credit card or using a credit card fraudulently obtained with false identification;

(2) using an invalid credit card;

(3) fraudulent use of another person's credit card;

(4) malicious overdraft.

the malicious overdraft mentioned in the preceding paragraph 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.