1. What to do if the bank sues if the credit card is overdue

Overdue credit card users can pay off the debt during the lawsuit, and the bank will withdraw the lawsuit. In addition, cardholders can actively communicate with the bank after being sued, agree to the previous repayment method or provide a new repayment plan that is accepted by the bank, and the bank will withdraw the lawsuit. If there is no mediation or settlement, the bank will promptly apply to the court for enforcement after the debtor loses the lawsuit and the judgment is issued.

After the credit card is overdue, there is generally no door-to-door collection. The more common collection method after the overdue period is for the card issuer to call the customer to remind the customer to repay. In addition, they will also use penalty interest to urge the customer to repay in time. If the customer does not repay the money, This will further increase the debt pressure on lenders. Door-to-door collection is an improper method of collection, and formal lending institutions will not choose to violate relevant regulations to collect money on your doorstep. However, overdue credit cards have a great impact on borrowers. Even if there is no door-to-door collection, borrowers still have to repay the debt in time.

2. How banks deal with overdue credit cards

1. Collection

Depending on the overdue time, different collection methods are adopted.

If the collection is overdue for 7 to 5 days, the bank customer service will collect it through text messages; if it is more than 30 days and less than 90 days overdue, the bank customer will call to collect the collection; if it is more than 90 days overdue, the bank may send someone to collect the collection. ; If the debt is overdue for more than half a year, the bank can also outsource the collection to a third-party company, which will handle the collection.

2. Report to the Central Bank

As long as the payment is not overdue, the bank will also report the cardholder's overdue behavior to the Central Bank's credit reporting system while collecting the payment. However, it is not necessary to report the overdue amount immediately. Many banks report it once a month. If the minimum payment is not made by the next billing date, the credit report will 100% be reported.

3. File an appeal

If the credit card is overdue for more than 3 months and has received 2 valid collections from the bank but still has not repaid, it will be considered a malicious overdraft. For credit cards, if the amount is more than 50,000 yuan, the bank will go to court and sue. The consequences are very serious.

After being sued, the cardholder can seek help from relatives and friends around him. He should explain to them the overdraft problem of the credit card, borrow money from them to repay the debt, and then pay the loan back to them when he has money. ; You can also express your willingness to repay to the bank, provide relevant supporting materials, and apply to the bank staff for a suspension of interest payments to solve the problem of overdue credit cards.