Legal analysis: According to the relevant laws and regulations of our country, if a CITIC credit card is overdue for 8 months and is sued, the party concerned should actively repay the loan before the lawsuit begins, so as to avoid affecting personal credit and personal credit. Freeze of property. The solution is as follows:

1. Negotiate settlement: If the bank owes a credit card and has been sued by the bank, you can first negotiate with the bank to solve the problem, formulate a repayment plan, and ask the bank to withdraw the civil lawsuit. So as not to affect your personal credit report.

2. Actively respond to the lawsuit: If private negotiation cannot resolve the matter, mediation can be conducted under the auspices of the court to reach a repayment agreement. If the bank does not agree to mediation, it should proactively repay the loan in accordance with the content of the judgment to avoid entering into enforcement procedures and affecting personal credit.

Legal basis: "Civil Procedure Law of the People's Republic of China"

Article 9 When hearing civil cases, the People's Court shall conduct mediation based on the principles of voluntariness and legality; if mediation fails Yes, it should be judged promptly.

Article 145. Before the judgment is pronounced, if the plaintiff applies to withdraw the lawsuit, the People's Court shall decide whether to allow it. If the People's Court decides not to allow the lawsuit to be withdrawn, and if the plaintiff refuses to appear in court without justifiable reasons after being summoned by subpoena, a default judgment may be made.

Article 236: When a civil judgment or ruling becomes legally effective, the parties must perform it. If one party refuses to perform, the other party may apply to the People's Court for enforcement, or the judge may transfer the matter to an execution officer for enforcement. The parties concerned must perform the mediation agreement and other legal documents that should be executed by the People's Court. If one party refuses to perform, the other party may apply to the People's Court for enforcement.

Article 241: If the person subject to execution fails to perform the obligations specified in the legal document in accordance with the execution notice, he shall report the current property situation and the property situation one year before the date of receipt of the execution notice. If the person subject to execution refuses to report or makes a false report, the people's court may fine or detain the person subject to execution or his legal agent, the principal person in charge of the relevant unit or the directly responsible person according to the seriousness of the case.