1. Is it true that the credit card is overdue and you want to sue?

It may be true that the credit card overdue collection said that it would be sued, and it may have been sued by the bank to the court.

Generally speaking, after the cardholder's credit card is overdue for more than 90 days, the bank will give up the collection business and bring a lawsuit to the court to deal with the cardholder's credit card overdue behavior.

Usually, if the cardholder's credit card overdue amount is small and there is a certain repayment, the bank will not sue him. Most banks only sue cardholders for repayment as soon as possible, and banks only want to recover the arrears. However, if the cardholder's credit card is overdue and has no willingness to repay, the bank will sue him for criminal responsibility.

Second, what should I do if my credit card is overdue?

1. Use the minimum repayment function. Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief.

2. Use the segmentation function. If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide installment functions of 3, 6, 9, 12, 18 and 24. You can choose the number of installments according to your repayment ability, which can relieve the repayment pressure without affecting your credit.

3. Change the bill date to extend the repayment period. The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once.

4. Actively negotiate with the bank to explain the situation. If you really can't get up for a while because of special circumstances such as work, you can take the initiative to call the bank and explain the reason, which proves that it is not malicious and there is a reason. Discuss whether you can delay repayment. Don't ignore the bank just because you changed your phone, so your personal credit will be lost unless you don't deal with the bank in the future.

If the credit card is sued for overdue, it must be repaid as soon as possible. When using a credit card, you need to pay attention to the repayment date of the credit card bill. If there is no repayment on the repayment date, the credit card will be overdue and the overdue credit card will be frozen. If you want to unfreeze the credit card and continue to use it, you need to repay it in time in order to negotiate with the bank to unfreeze the credit card.