Hello, generally you will not be prosecuted for overdue credit cards. If you are prosecuted, a court summons will be sent to the address you reserved in the bank or the address on your ID card. For specific information, you can call the court that sent you the subpoena. If it is just a text message, it is basically sent to you by an employee of a third-party collection company in order to increase the recovery rate.

We hope to adopt the above