The impact of not going to court if you are sued for not paying back the credit card is: the defendant signs for the court summons and fails to appear in court without justifiable reasons. The court can make a default judgment. If the repayment obligation is not fulfilled on time, the bank applies to the court for enforcement. Five If the amount is more than 1,000 yuan, the bank can call the police and pursue criminal liability for credit card fraud. If the law has other provisions, such provisions shall prevail.

If your credit card is seriously overdue, you will be sued by the bank. If you fail to go to court, there will be two consequences:

1. If the defendant is required to appear in court, but after the trial, If he fails to appear in court without any valid reason after two subpoenas, he can be summoned to court;

2. If there is no requirement to appear in court, the defendant does not need to appear in court, but the court will make a default judgment. In this case The defendant loses the right to defend himself. You should know that after the court session, you can try to negotiate with the bank for repayment, reduction of interest and liquidated damages, etc. under the mediation of the court.

Legal Basis

"Criminal Law of the People's Republic of China"

Article 196 Under any of the following circumstances, credit card fraud activities are carried out , where the amount is relatively large, the sentence is to be not less than five years in prison or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; A fine of not less than 10,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identity certificates;

(2) Using an expired credit card;

(3) ) Pretending to use other people’s credit cards;

(4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

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

Article 21 Civil lawsuits filed against citizens shall be under the jurisdiction of the people's court where the defendant is located. The defendant's domicile is the same as his usual place of residence. If the place of residence is inconsistent, the people's court of the place of habitual residence shall have jurisdiction.