Credit card lawsuits are filed in the grassroots people's court where the defendant is domiciled. Overdue behavior of credit cards that are more than 30 days overdue and more than one billing period, overdrafting a large amount of money knowing that one has no ability to repay, and cannot return it; recklessly squandering overdraft funds that cannot be returned; escaping after overdraft, changing contact information, and evading bank collection , transferring funds, concealing property, and evading repayment; using overdraft funds to carry out illegal and criminal activities; other illegal possession of funds and refusing to return them. Malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "relatively large amount" as stipulated in Article 196 of the Criminal Law. You can sue at your place of residence. Civil lawsuits filed against citizens shall be under the jurisdiction of the People's Court of the place where the defendant is domiciled; if the defendant's place of domicile is inconsistent with his place of habitual residence, the People's Court of the place of habitual residence shall have jurisdiction. Civil lawsuits filed against legal persons or other organizations shall be under the jurisdiction of the People's Court of the defendant's domicile. Prosecutions for overdue credit cards are generally not filed at the place of household registration, but at the defendant's habitual residence. Under normal circumstances, civil lawsuits filed against citizens shall be under the jurisdiction of the People's Court of the place where the defendant is domiciled; if the defendant's place of domicile is inconsistent with the place of habitual residence, the People's Court of the place of habitual residence shall have jurisdiction. Civil lawsuits filed against legal persons or other organizations shall be under the jurisdiction of the People's Court of the place where the defendant is domiciled

Banks' credit card collection methods:

1. SMS collection, mainly for early cardholders Overdue repayment behavior is generally 7 to 15 days overdue, and text messages mainly serve as reminders

2. Telephone collection, mainly for overdue behavior that exceeds 30 days and exceeds one billing period, telephone reminders are used for repayment

3. Door-to-door collection, mainly for overdue payments of more than 90 days, the bank will arrange collection personnel to visit the cardholder’s residence or work address to collect repayment

Legal basis

"Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards"

Article 6 The cardholder exceeds the prescribed limit or exceeds the prescribed limit for the purpose of illegal possession or If an overdraft is made within a prescribed time limit and is still not returned for more than three months after being called upon twice by the card-issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law.