If the credit card is overdue, Shanghai Pudong Development Bank will sue in Shanghai. If you want to apply for jurisdictional objection, you can use arbitration to go directly to the local court for consultation. You can seek help from a lawyer to write the application for jurisdictional objection.

Personal suggestion:

The problem of online loans is now an urgent problem. If it is overdue, you will encounter violent collection. Regular consumer finance companies and bank credit cards will Following the legal arbitration procedure, if the overdue lawsuit is not present at the court, the local court can also follow the Civil Procedure Law. Article 127 stipulates that after the people's court accepts the case, if the parties have objections to the jurisdiction, they can raise objections during the defense period. , the normal form of litigation will be followed after the objection is established. I suggest that you don’t have malicious overdue payments in your life, because this will affect your personal credit report.

Generally speaking, each bank will charge a certain amount of interest for overdue repayment. Each bank is different, usually an interest of 0.05%. However, the interest accrual date is calculated from the date of consumption, not the date after the final repayment date.

It is recommended that if the entire limit is not met, you can pay the minimum repayment amount first, which will not affect your credit limit. At the same time, there will be a buffer period to facilitate the bank to understand the capital flow of your account in a timely manner. Freeze the account!

Extended information:

Credit cards have two concepts: billing date and repayment date (also known as the final repayment date). The billing date is the day when transactions within a billing cycle are settled, and the repayment date is a repayment period. Because it is impossible to restore the situation of your contact with customer service, it does not rule out that you misunderstood the customer service staff's explanation or the customer service staff's explanation was unclear or even incorrect. [1]

The main function of the repayment date is for banks to determine whether the cardholder has a malicious overdraft tendency and to determine the cardholder's financial status. Therefore, repayment after the final repayment date will inevitably result in an overdue record. Whether this record can be changed from the central bank requires further negotiation with the card issuing bank.