Ways to avoid the credit card issuer from suing you

What will you do if you can't pay your credit card bills? Don't you think, the credit card company can sue you? Yes, the credit card company may sue you. But, normally the credit card issuers avoid this type of circumstance to arise. I would suggest you or make you aware of some facts regarding this credit lending:

• When you apply for a credit card, there you will find many hidden facts, which you should always go through those in details, esp. the terms and conditions. When you accept the agreement, it signifies that you agree to pay back the principal amount which you have borrowed along with the interest (which may include additional charges and fees).
• If you fail to pay the payments, then you are breaking the rules of the agreement. This may lead to increase in your incoming calls to your phone and emails to your mail inbox from the credit card issuer. This may even lead to involvement of the credit collection agency.
• It would be a very bad time for you if you find the credit collection agency getting involved. The consequence: hike in interest rate, access to available credit will be limited, increase in phone traffic due to the calls from the credit issuers and co-signers may be contacted.
• How will you avoid these above mentioned circumstances? Suggestion from my side: be more responsible with your credit, before accepting the credit card agreement, don't forget to go through the terms and conditions, if you feel that there is any error in your credit card statement, feel free to contact your credit card issuer immediately.
These are my suggestions to help you in avoiding the circumstance of being sued by the credit card agency. Try to follow and I am sure you will be able to make your payments on time. I suggested you these from my experience of how I carry my credit card.