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【速搜问答】信用卡逾期被起诉后怎么办

问答 admin 8个月前 (03-21) 157次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

信用卡逾期被起诉立案后,应当积极应诉,当事人应当到法院应诉,行使自己的抗辩权和答辩权,同时应当积极的与银行进行协商,还清欠款,不能逃避,否则会造成违约。

After the credit card is sued and filed, it should actively respond to the lawsuit, the parties should go to the court to respond to the lawsuit, exercise their right of defense and right of reply, and actively negotiate with the bank to pay off the debt, otherwise it will cause breach of contract.

信用卡逾期被起诉立案后,应当积极应诉,当事人应该到法院应诉,行使自己的抗辩权和答辩权,同时应当积极的与银行进行协商,还清欠款,不能逃避,否则会造成违约。同时,我国《刑法》规定,持卡人以非法占有为目的,超过规定限额或者规定期限恶意透支,经发卡银行两次有效催收后超过三个月仍不归还的,属于《刑法》规定的恶意透支,应认定为信用卡诈骗罪。

After the credit card is sued and filed, it should actively respond to the lawsuit. The parties should go to the court to respond to the lawsuit, exercise their right of defense and right of reply, and actively negotiate with the bank to pay off the debt. Otherwise, it will cause breach of contract. At the same time, China’s “criminal law” stipulates that the card holder, for the purpose of illegal possession, overdraw maliciously beyond the specified limit or time limit, and still does not return it after more than three months of effective collection by the issuing bank twice, which belongs to the malicious overdraft stipulated in the “criminal law”, and should be recognized as the crime of credit card fraud.

信用卡欠款被起诉了,信用卡持有人可以通过以下方式解决:在最后还款期到来之前,持卡人最好跟银行信用卡中心主动打电话联系,陈述自己的经济状况,申明自己并非恶意欠款,并申请延迟还款和利息优惠;如果是平时疏忽大意忘记还款,那发现逾期后,一定要尽快还款,最好是全额还款。

If the credit card debt is sued, the credit card holder can solve the problem through the following ways: before the final repayment period, the cardholder had better contact the credit card center of the bank on his own initiative, state his financial situation, state that he is not malicious debt, and apply for delayed repayment and interest discount; if he forgets to repay the debt due to carelessness, he will be punished if he finds it overdue To repay as soon as possible, it is best to repay in full.

1、全额还款。把信用卡逾期滞纳金以及相应利息还上。

1. Full repayment. Pay back the overdue fine of credit card and the corresponding interest.

2、和银行协商和解。向银行负责人员说明自己的实际情况,并且列出自己的收入来源和还款计划,有时可以达成和解。

2. Negotiate a settlement with the bank. Explain your actual situation to the person in charge of the bank, and list your source of income and repayment plan, sometimes you can reach a settlement.

3、配合诉讼。没有钱还,又没有和银行达成和解的情况下,只有等待诉讼了。除了恶意透支的信用卡诈骗,一般的预期不还,都只是民事纠纷。

3. Cooperate with litigation. There is no money, and no settlement with the bank, only to wait for litigation. In addition to malicious overdraft of credit card fraud, the general expectation is not also, are just civil disputes.

4、证明非恶意透支,否则就要吃刑事官司了。

4. Prove that it is not malicious overdraft, otherwise it will be subject to criminal lawsuit.

5、积极进行抗辩。正常来说,一般是经济状况陡然发生恶化才会发生欠信用卡逾期不还的行为。抗辩时可以针对银行的诉求和事实,找出其中的漏洞,做到有的放矢。

5. Actively defend. Normally speaking, it is generally the sudden deterioration of the economic situation that leads to the overdue credit card payment. When defending, we can find out the loopholes according to the demands and facts of the bank, so as to achieve targeted.

6、妥善处理、消化判决带来的负面影响。确实没有能力履行的,应该要积极应对、主动配合,不要采取逃避或者过激的行为。

6. Properly handle and digest the negative impact of the judgment. Those who really have no ability to perform should actively respond and cooperate, and should not take evasive or radical actions.


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