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I owe more than 30,000 yuan to Guangfa Bank, and the bank called to sue me.
Legal analysis: try to negotiate with each other. If the other party sues and maliciously overdraws, it will constitute the crime of credit card fraud if the bank fails to repay the money after two reminders for three months.

Legal basis: Article 3 of the Civil Procedure Law of People's Republic of China (PRC). The provisions of this Law shall apply to the people's courts in accepting civil lawsuits brought by citizens, legal persons, other organizations and their property relations and personal relations.