If you receive an indictment for an overdue credit card, you may not necessarily go to jail. It is a dispute over creditor's rights and debts in civil disputes. Credit cards have become very popular in today's society, but the bad credit records that come with them also trouble many people. Anyone who has applied for a credit card will be included in the credit record system of the People's Bank of China. Overdue repayment of the credit card will be recorded as a bad credit record. Therefore, when a credit card repayment is overdue, you must not ignore it or treat it negatively, but actively take correct measures to save it. Methods/steps: Some people apply for credit cards that they rarely use. When the credit card is overdue, they plan to use the credit card completely and simply ignore the credit card, neither making repayments nor canceling the card. This approach is very wrong. If you continue to fail to repay, there will be an overdue payment every month, which means that you will have a bad credit record every month. If you do not repay for many consecutive months, you will be sued by the bank and found guilty of malicious arrears. Your credit record will be even worse, and the amount of arrears will become larger and larger. In serious cases, you may be sentenced to a fine. If a credit card debt is not paid overdue, the credit card center of the issuing bank will collect the money. Due to ignorance and blind arrogance, some people not only refuse to repay the loan, but also "escape" by changing their address, mobile phone and other contact information so that the bank cannot contact them, thinking that the bank can't do anything to them. In fact, this approach is very wrong and absolutely undesirable. When you apply for a credit card, your real-name information has been recorded by the bank. Once you "run away", the bank will determine that you have malicious overdrafts and arrears, and will call the police, who will list you as a wanted criminal. As a credit card holder, once you are unable to repay on time due to unemployment, illness or other accidents, before the final repayment period arrives, it is best for the card holder to take the initiative to call the bank's credit card center to state his financial situation. , declare that they do not owe money maliciously, and apply for delayed repayment and interest discounts. In view of the cardholder's active performance and previous good credit record, the bank will often agree to defer the repayment and work with the cardholder to agree on a mutually acceptable repayment plan, delay period, interest discount, monthly repayment amount, etc. In this way, if you proactively contact the bank and get the bank's consent to postpone the repayment, you will not be recorded as a bad record. However, it should be noted that you must ensure that you repay as agreed in the future. If you are careless and forget to repay the loan, you must repay it as soon as possible after it is overdue, preferably in full. Then call the bank's credit card center and state that the debt is not malicious. If the record has been good in the past and the overdue time is short, and it is found that the repayment is good after the overdue period, it may not be recorded as a bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notifications and collection information to avoid overdue payments. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be stored in the credit reporting system for two years. If terminated with a card, the corresponding records will no longer be scrolled, but will be saved for a long time. Therefore, after overdue repayment of a credit card, it is best not to cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit in good condition during the period. In this way, you can rely on rolling records to remove bad records from your credit report. Remove it from the system. The above are the answers to questions about being sued by a credit card.