Proof of loan, proof of financial resources, reasonable reasons for arrears, and self-prepared defense. Because lawsuits over overdue credit cards are actually very simple and are usually handled in financial court. It's just a process. Finally, you ask when you can pay back the money, and then the court issues an execution notice. If you cannot repay the money within the stipulated period, all your assets will be frozen and you will be prosecuted for credit card fraud. So what should you prepare for suing for credit card debt? The editor has compiled the following knowledge.

1. What should you prepare when suing for credit card debt? Proof of loan, proof of financial resources, reasonable reasons for the debt, and a defense statement prepared by yourself. Because lawsuits over overdue credit cards are actually very simple and are generally handled in financial court. It just goes through a process, and finally asks when the money can be repaid, and then the court issues an execution notice. If the money cannot be repaid before the specified deadline, all assets will be frozen and prosecuted for credit card fraud. This is punishable by sentence. If you need a lawyer to intervene, you can consult a lawyer specializing in creditor's rights and debts.

2. What will happen if you refuse to appear in court in a credit card lawsuit? 1. If a defendant who must appear in court to participate in the lawsuit has been summoned twice and fails to appear in court without justifiable reasons, the court may apply a summons to compel the defendant to appear in court. Arrive in court. 2. If the defendant is not required to appear in court, is summoned by the court, and fails to appear in court without justifiable reasons, the court may make a default judgment. A court judgment issued in a default judgment is also binding on the defendant, and the defendant's property can be enforced based on the judgment.

3. What will be the impact of overdue credit card payments? 1. Interest and late payment fees generally refer to the full penalty interest, which means that even if the customer repays part of the amount, the repayment will not be deducted when calculating the penalty interest. , the interest expense is usually calculated based on the daily interest rate of 0.05%. Late payment fees refer to the situation where the cardholder's actual repayment amount is lower than the minimum repayment amount on the due date of the credit card, and "late payment fees" are charged for the unpaid portion of the minimum repayment amount. The proportion of late payment fees is uniformly stipulated by the People's Bank of China, which is 5% of the unpaid portion of the minimum repayment amount. 2. If you have overdue repayments more than three times, you can apply for a credit card but the amount is very small, or you can get a loan but the interest rate is very high. 3. Having a bad credit record. If you are overdue more than 6 times and fail to pay once, you will be blacklisted by the "Personal Credit Information System" of the People's Bank of China. Being on the blacklist may affect your work, schooling, and going abroad. Don’t think that it only affects you, your spouse and children are also affected. By that time, there will be no regrets, and the credit report will not believe the tears. 4. Bear criminal liability. If the card is maliciously overdue and exceeds the prescribed limit or time limit, and the card issuer still fails to repay it after two reminders for more than 3 months, it will be classified as a "malicious overdraft". A malicious overdraft of between RMB 10,000 and RMB 100,000 shall be considered as a relatively large amount and shall be punished with imprisonment of not more than 5 years or criminal detention. If the amount is huge, from 100,000 yuan to 1 million yuan, the person shall be sentenced to imprisonment of not less than 5 years but not more than 10 years. If the amount is more than 100,000 yuan but less than 1 million yuan, if the amount is huge, the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; Malicious overdraft If the amount exceeds 1 million yuan, the amount is extremely huge, or there are other particularly serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated. Things that you generally need to prepare when suing for credit card debt include proof of loan, proof of financial resources, reasonable reasons for the debt, etc. You must appear in court on time to file the lawsuit. If you have other questions, you can consult a creditor and debt lawyer, who will give you professional advice. suggestions.