If the cardholder actively responds to the lawsuit, expresses his or her willingness to repay, and reaches a mediation agreement with the bank, the bank's request for prosecution can be dismissed. A credit card, also known as a credit card, is an electronic payment card with an overdraft function, which can be used for consumer payments and credit loans, and can alleviate the financial pressure of cardholders.

1. How to dismiss the lawsuit if the credit card is overdue. If you can prove that the cardholder defaulted on the credit card without malicious intent, you can dismiss the lawsuit. When the bank plans to sue itself, or after it has received a subpoena, The first thing we have to do is to calm down our emotions. There is no end to the problem and there is still room for salvation. In this situation, the most effective and convenient way is to find some professional debt optimizers or financial legal personnel and let them help you and the bank reach pre-litigation mediation as soon as possible. In addition, you can also provide the bank with corresponding proof of non-malicious default, such as recent consumption records, recent income certificates, etc., and explain your difficulties to the bank as much as possible, and try your best to win Negotiate repayment opportunities with banks. At the same time, you can also consult relevant debt optimizers and let them help you make suggestions and formulate a reasonable repayment agreement.

2. Can I use the credit card immediately after getting it? The credit card cannot be used immediately after getting it. The customer has to activate it first. However, it is not complicated to open the card. Generally, customers can call the bank directly. Customer service applies for activation, or self-activation on online banking, mobile banking client, credit card APP, and the card can be used immediately after activation. Of course, everyone also needs to note that if it is the first time to apply for a credit card from a bank online, you may have to go to a bank branch for an interview. The card can only be opened and used after the interview is successfully passed. If you do not activate the credit card after you get it, the card will become invalid after the expiration date. As for the validity period of credit cards, most of them are around three to five years, and some cards can be valid for up to eight years. In this regard, customers can directly take out the card to check, and the expiration date will be printed on the card. Everyone needs to pay attention to the fact that some credit cards have hard annual fees, which will be charged even if they are not activated. If the customer does not open the card and fails to repay in time after the bank deducts the annual fee, it will lead to overdue payment, which will affect the card and Personal credit. After being sued, if it can be proven that the overdue card was not malicious, the lawsuit can be dismissed. Once you get the credit card, you cannot use it immediately and you need to go through activation procedures. A credit card is an electronic payment card that has the function of a credit loan. After the cardholder obtains the credit card, he or she can use the credit card to apply for a loan from the card-issuing bank. Credit cards have the function of consumption payment. There is a certain overdraft limit in the credit card. Within the specified limit, you can consume first and then repay.