Legal analysis: If the debtor fails to repay the credit card, the bank, as a creditor, can bring a civil lawsuit to the people's court with jurisdiction. If you want to file a civil lawsuit, the first step is to submit a complaint, and then you need a people's court to hear it.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.