First, contact the bank as soon as possible to show your intention to solve the overdue problem. You can explain your financial situation, honestly explain the reasons for overdue to the bank, and express your willingness to cooperate with them to solve this matter. By establishing good communication with the bank, you may get some solutions.
Secondly, you can discuss with the bank and make a repayment plan. Put forward a detailed repayment plan, including the monthly repayment amount and timetable you can afford. If you can prove that you are able to repay the loan as planned, the bank may consider suspending the prosecution and agreeing to your repayment plan.
In addition, you can also consider seeking professional legal advice. Please consult a lawyer with legal knowledge about credit cards. They can help you understand your rights and strategies. According to domestic laws and regulations, lawyers may help you formulate reasonable defense and negotiation plans to protect your rights and interests to the greatest extent.
To sum up, if your credit card is overdue for three months and you are sued by the bank, you should take the initiative to contact the bank as soon as possible and show your willingness to cooperate with them to solve the overdue problem. Making a reasonable repayment plan is the key to solve the problem, and professional legal advice can be considered to get better help.
Extended data:
1. Overdue repayment will have a serious negative impact on personal credit records and affect future loan and credit card applications;
2. When communicating with banks, be patient and frank, and provide detailed information and proof as much as possible to increase the possibility of solving problems;
If you can't reach an agreement with the bank, the bank may continue to advance the legal process, and you need to consider taking corresponding legal actions according to the specific situation.
I hope the above information is helpful to you. If you have more questions, please ask me.