I am being sued for not being able to pay off my credit card, so I should pay it back in time.

If a credit card holder is sued by a creditor, if the debt is true but the debtor is temporarily unable to repay, the debtor can take the initiative to reconcile with the creditor in the lawsuit, or initiate mediation with the creditor under the auspices of the court.

Negotiate the method and period of performance of credit card debts, and reach settlement or mediation to resolve disputes through installments, provision of guarantees, appropriate extension of time periods, etc.

If reconciliation or mediation is not possible, the court shall make a ruling in accordance with the law.