The impact of not going to court if you are sued for not paying back the credit card is: the defendant signs for the court summons and fails to appear in court without justifiable reasons. The court can make a default judgment. If the repayment obligation is not fulfilled on time, the bank applies to the court for enforcement. Five If the amount is more than 1,000 yuan, the bank can call the police and pursue criminal liability for credit card fraud. If the law has other provisions, such provisions shall prevail.

If your credit card is seriously overdue, you will be sued by the bank. If you fail to go to court, there will be two consequences:

1. If the defendant is required to appear in court, but after two days of trial, If a subpoena is summoned and fails to appear in court without any justifiable reason, the defendant may be summoned to court;

2. If there is no requirement to appear in court, the defendant does not need to appear in court, but the court will make a default judgment. In this case, the defendant You lose the right to defend yourself. You should know that after the court session, you can try to negotiate with the bank for repayment, reduction of interest and liquidated damages, etc. under the mediation of the court.

Legal Basis

Article 196 of the "Criminal Law", whoever commits credit card fraud under any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or Criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge Or if there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated:

(1) Using a counterfeit credit card, or Using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.