Do I need to go to the court hearing for a credit card lawsuit? What should I do if I owe a credit card and get sued but can't pay it back?

Nowadays, young people use their credit cards whenever they have a disagreement. Some do business and some spend money on their own. Little do they know that they are owing more and more money. If you are unable to pay the debt and are sued in court, can you not go? What should you say when you go to the scene? What should you do if you still cannot pay it back? Let's take a look at the introduction provided in this article!

Do I need to go to the court hearing for a credit card lawsuit? What do you say?

In court, all you need to do is:

First, be sincere;

Second, negotiate with the bank.

Remember, the bank's goal is to get you to pay back the money, not to put you in jail! So, as long as you can come up with an attitude and plan to pay back the money, the bank and the court will be lenient.

You can make several requests and methods to the bank:

1) Appropriately reduce your repayment interest;

2) Appropriately extend your repayment period;

3) Give some minor punishment appropriately;

As long as you give the bank and the court a so-called repayment plan, they will basically not do anything to you. For example, if you have 70,000 yuan in funds, you can repay it in installments over 1 to 2 years, paying about 3,000 yuan per month, and the problem will be solved.

What should I do if I am sued for my credit card debt and still cannot pay it back?

If you are unable to repay the loan, you don't need to worry too much. It may be a good thing for the court to handle it.

When a credit card debt is first incurred, there will definitely be many different ways of collection, and it may even be outsourced to a third party for collection. In this case, it will definitely be annoying.

Therefore, through the intervention of the court, you can explain your assets and liabilities clearly, and also explain your normal income and expenditure, and negotiate with the bank a repayment method that is acceptable to both parties. In the future, you only need to work hard to repay the money according to this repayment method, which at least reduces unnecessary collection.

What to do if you are sued by the bank?

The bank's main purpose of suing you is not the bank's. The bank also wants you to repay the loan as soon as possible. You should take the initiative to contact the bank for a debt negotiation to discuss how to resolve the debt, make installments, or extend the time, instead of ignoring the phone, saying bad things, and simply not repaying. Because all your overdue records will be reported by the bank or financial institution to the central bank's personal credit report. So if you consider taking out a loan when buying a house or a car in the future, this will definitely not work. In addition, in the future, you will need to swipe your ID card to pay for water and electricity bills, high-speed trains, airplanes, trains, etc. If you are really a bad person and a dishonest person, then these public institutions will say no to you. Therefore, you must cherish and treasure your property, be honest and trustworthy, never overdue your payment, and get ashore as soon as possible.