1. What should I do if the credit card center sues?

If the cardholder is sued by the credit card center for overdue credit card, he should actively respond to the lawsuit to reduce losses. If the cardholder continues to ignore it, once he loses the case, he not only needs to pay off the arrears, but also needs to pay the bank's litigation costs, and may even go to jail.

Most cardholders can negotiate with the bank before the actual court session. As long as the debt can be paid off or negotiation can be reached, the bank will drop the lawsuit. This is the best way. There is a period of time between the receipt of the court summons and the date of the trial. Cardholders should make full use of the time before the trial. When negotiating with banks, banks take the initiative and we are relatively passive. However, we must stick to our own requirements and communicate and negotiate patiently and actively for many times. Generally speaking, banks will make concessions.

Second, is it true that the credit card center sued?

It's true. If the cardholder is overdue for a long time and violates the contract maliciously, the bank will file a lawsuit through judicial channels. Cardholders must take it seriously. At the same time, serious overdue will leave a bad credit record. It is recommended to pay back the money as soon as possible to solve unnecessary troubles.

According to the relevant laws and regulations on credit cards, if the credit card user fails to repay for three consecutive months, or the repayment amount is lower than the minimum repayment amount of the credit card, the card issuer has the right to bring a lawsuit to the court.

However, the real prosecution is not the bank, nor the collection. If it is really prosecuted, the cardholder will receive a subpoena. If there is no subpoena, you will definitely not be prosecuted.

3. What is the prosecution process of the credit card center?

1. The bank will notify the cardholder to repay, and if the cardholder still fails to repay, it will sue the cardholder.

2. The bank will formally sue, and the cardholder will receive a summons from the court. The summons can be sent to the cardholder's family or work unit, and the time and place of the court session will be clearly written at the door.

3. On the day of the court session, the cardholder will appear in court, and then the court will announce the cardholder's repayment and formally inform the cardholder of the consequences of non-repayment.

4. If the cardholder insists on not paying back, the bank will apply for compulsory execution and confiscate the cardholder's financial information. After that, if the cardholder still insists on not returning it, the cardholder will go to jail.

As long as the bank files a lawsuit and wins, the cardholder will be fined, usually 20% to 50% of the amount owed.

In a word, what should I do if all the above are sued by the credit card center? I still suggest that you plan your own expenses here. After all, the credit card money is not your own, and it is easy to overdue if you overdraw too much.

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