The process of being sued for credit card debt: 1. The bank informs the credit card holder to repay the overdue debt and explains the deadline; 2. The bank prepares the materials to formally prosecute, and the court issues a summons and response materials; 3. The court will hold a trial as scheduled and notify the cardholder of the consequences of not repaying the money; 4. If the cardholder insists on not repaying the debt, the bank will apply for enforcement; 5. If the cardholder does not have the ability to repay, the public security agency may Arrested for credit card fraud. To initiate a prosecution, a bill of indictment shall be submitted to the People's Court, and copies shall be submitted according to the number of defendants. If it is really difficult to write a complaint, you can file a complaint orally, and the people's court will record it in the transcript and notify the other party. Legal basis: Article 120 of the "Civil Procedure Law of the People's Republic of China" To initiate a prosecution, a complaint shall be submitted to the People's Court, and copies shall be submitted according to the number of defendants. If it is really difficult to write a complaint, you can file a complaint orally, and the people's court will record it in the transcript and notify the other party. Article 21 Civil lawsuits filed against citizens shall be under the jurisdiction of the People's Court of the place where the defendant is domiciled; if the defendant's place of domicile is inconsistent with the place of habitual residence, the People's Court of the place of habitual residence shall have jurisdiction. Civil lawsuits filed against legal persons or other organizations shall be under the jurisdiction of the people's court where the defendant is domiciled. If the domiciles and habitual residences of several defendants in the same lawsuit are within the jurisdiction of two or more people's courts, each of the people's courts shall have jurisdiction.