标题：来信息说信用卡严重逾期要起诉我，咋办？
摘要回答：如果你收到信息说你的信用卡严重逾期并且银行或网贷平台将要起诉你，首先不要慌张。立即停止使用该信用卡，并尽快联系银行或网贷平台的客服，了解具体的欠款金额和逾期时间。然后制定一个还款计划，尽快还清欠款。如果无法协商解决，可以寻求法律帮助，了解你的权利和义务。
详细解答：
第一步：停止使用该信用卡
一收到这样的信息，你首先要做的就是停止使用该信用卡。不要再往里面充钱，也不要再刷卡消费。避免欠款金额进一步增加。
第二步：联系银行或网贷平台
然后，尽快联系银行或网贷平台的客服。 explain the situation and ask them to provide you with detailed information about the outstanding debt, including the amount owed and the period of default. This will help you understand the extent of the problem and allow you to make a informed decision about how to proceed.
第三步：制定还款计划
Once you have all the necessary information, you should try to come up with a repayment plan. This may involve cutting back on other expenses, borrowing money from friends or family, or seeking assistance from a financial counselor. The most important thing is to take action as soon as possible to avoid further legal trouble.
第四步：寻求法律帮助
If you are unable to reach an agreement with the bank or lender, or if you simply want to ensure that your rights are protected, you should consider seeking legal advice. An attorney can help you understand your options and guide you through the legal process.
最后，要记得吸取教训，避免类似问题再次发生。 Use your credit card responsibly, and make sure to pay off your balance on time each month to avoid any unnecessary stress and expense.
