You can still negotiate if your credit card is sued for overdue

You must pay attention to being sued for overdue credit card. First of all, it can be settled through consultation. Negotiate with the lender for repayment, and request the plaintiff to withdraw the lawsuit.

Second, we should actively respond to the lawsuit and actively cooperate. Actively responding to the lawsuit is also a good opportunity for negotiation. Before the trial, the debtor can call the court to apply for mediation (the contact information of the mediator will be indicated in the first three articles of the legal document). If conditions permit, full repayment is the best way; If it is difficult to repay, it is necessary to show sincerity, provide the bank with proof materials that it is not malicious overdraft, such as recent consumption records and recent income certificates, explain its difficulties to the bank as much as possible, try its best to get the opportunity to negotiate repayment with the bank, and strive to apply for personalized credit card installment repayment. If the mediation is successful, both parties shall actively perform the mediation after signing it. Don't choose "losing contact" to escape. Even if you don't go out of court, the court can try by default, repay according to the actual repayment amount (including interest and liquidated damages-the late payment fee has been cancelled in the new regulations on credit card overdue in 222), and be included in the untrustworthy executor. In the most serious case, it may be characterized as malicious overdraft and need to bear corresponding criminal responsibility.