Receive a lawyer's letter from the credit card issuer, proving that the other party has hired a lawyer to start legal proceedings. The card issuer will sue the person for credit card debt and require him to repay the credit card. If the person refuses to repay after the judgment, it can be considered as a malicious overdraft. Malicious overdraft is a violation of criminal law and will be punished by criminal penalties.

According to Article 216 of the "Civil Procedure Law of the People's Republic of China", after the people's court accepts the application, after reviewing the facts and evidence provided by the creditor, it shall determine whether the relationship between creditor's rights and debt is clear and legal. , a payment order shall be issued to the debtor within fifteen days from the date of acceptance; if the application is not established, the ruling shall be dismissed.

The debtor shall repay the debt within fifteen days from the date of receipt of the payment order, or submit a written objection to the people's court. If the debtor does not raise any objection and fails to perform the payment order within the period specified in the preceding paragraph, the creditor may apply to the People's Court for execution.

Extended information:

"Civil Procedure Law of the People's Republic of China"

Chapter 1 Mission, Scope of Application and Basic Principles

Article 1 The Civil Procedure Law of the People's Republic of China is based on the Constitution and is formulated based on the experience and actual conditions of my country's civil trial work.

Article 2 The mission of the People’s Republic of China and the Civil Procedure Law is to protect the parties’ exercise of litigation rights, ensure that the People’s Courts ascertain facts, distinguish right from wrong, correctly apply the law, hear civil cases in a timely manner, and confirm The relationship between civil rights and obligations, sanctioning civil violations, protecting the legitimate rights and interests of parties, educating citizens to consciously abide by the law, maintaining social order and economic order, and ensuring the smooth progress of socialist construction.

Article 3 The People's Court shall apply the provisions of this Law when accepting civil lawsuits between citizens, legal persons, other organizations, and between them due to property relations and personal relations.

Article 4 All civil proceedings conducted within the territory of the People’s Republic of China must abide by this law.

Article 5 Foreigners, stateless persons, foreign enterprises and organizations shall have the same litigation rights and obligations as citizens, legal persons and other organizations of the People's Republic of China when filing lawsuits and responding to lawsuits in the People's Courts.

If a foreign court restricts the civil litigation rights of citizens, legal persons and other organizations of the People's Republic of China, the People's Court of the People's Republic of China shall impose restrictions on the civil litigation rights of citizens, enterprises and organizations of that country. Litigation rights are subject to the principle of reciprocity.

Baidu Encyclopedia-Civil Procedure Law of the People's Republic of China