1. Where to sue for overdue credit cards?

Sue in the grassroots people's court where the defendant is domiciled. For credit card overdue behavior of more than 30 days and more than one billing period, banks mainly use the following five credit card collection methods:

1. SMS collection, mainly for early cardholders who have overdue repayments. Behaviors are generally 7 to 15 days overdue, and text messages mainly serve as reminders;

2. Telephone collections, mainly for overdue behaviors that are more than 30 days and more than one billing period, phone calls are used to remind repayment; < /p>

3. Door-to-door collection, mainly for overdue payments of more than 90 days, the bank will arrange collection personnel to visit the cardholder’s residence or work address to collect repayment;

4. Court prosecution, Mainly for cases that are overdue for more than six months, the bank will apply to the court and require the cardholder to sue for repayment;

5. Outsourcing collection, mainly for cases that are overdue for more than one year, the bank will package the overdue funds. , give a discount to an outsourced collection company, which is responsible for collecting overdue debts.

2. What is the process for overdue credit card lawsuits?

(1) When a party files a lawsuit, it must first submit a letter of indictment and submit a corresponding number of copies according to the number of other parties. If the parties are citizens, the names, genders, ages, places of origin, and residential addresses of both parties should be stated; if the parties are units, the name, address, and name of the legal representative or person in charge of the unit should be stated. The main text of the indictment should state the requested matters and the facts and reasons for the prosecution, and the tail must be signed or stamped with an official seal.

(2) According to the principle of "whoever makes the claim must provide evidence", the plaintiff should submit the following materials to the court:

1. Materials on the plaintiff's subject qualifications. Such as the originals and copies of resident ID cards, household registers, passports, return certificates for Hong Kong and Macao compatriots, marriage certificates and other evidence; corporate units serving as plaintiffs should submit copies of business licenses, business registration certificates and other materials.

2. Evidence to prove the plaintiff’s claim. Such as contracts, agreements, credit documents (IOUs, IOUs, etc.), receipts and delivery vouchers, correspondence, etc.

(3) When the parties submit documentary evidence to the court, they should fill in a duplicate evidence list, detailing the name and page number of the evidence submitted. After the evidence is verified by the court handler, the handler will sign and seal the evidence list. One copy will be handed over to the parties and the other will be filed.

(4) After the parties have completed the necessary procedures and submitted all relevant evidence materials, the case filing court will handle the filing procedures within seven days for those who meet the conditions for filing the case; for those who do not meet the conditions for filing the case, the court will make a ruling in accordance with the law. Not accepted.

(5) The parties concerned shall prepay the case acceptance fee and other litigation costs within seven days from the date of receipt of the acceptance notice. If there are indeed difficulties, they may apply to this court for a reduction or reduction within the prepayment period. If the written application for postponement or exemption of payment is not submitted within the time limit or the written application for postponement, reduction or exemption of payment is not approved and the application is still not submitted in advance, this court will rule that the case will be automatically withdrawn.

(6) After the case filing procedures, the case will be scheduled for hearing by the court. The parties concerned should obey the various work arrangements of the court and go to the finance office to settle the litigation expenses after the case is concluded. Any excess will be refunded and any less will be reimbursed.

After the credit card is overdue, the bank has the right to directly sue, usually to the court where the defendant is domiciled. When suing, a complaint and relevant evidence materials need to be submitted. The court will decide within 7 days whether After the case is accepted, the parties will be notified to pay the relevant fees and a copy of the complaint will be served to the defendant.