The prosecution period for credit card overdraft is three years. During the statutory limitation period, if the creditor makes a request, the people's court will force the debtor to perform its obligations. After the expiration of the statutory limitation period, if the obligee exercises the right of claim, the people's court will no longer protect it. Article 188 of the Civil Law stipulates that the limitation of action for requesting protection of civil rights from the people's court is three years. Where there are other provisions in the law, those provisions shall prevail. The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it. Where there are other provisions in the law, those provisions shall prevail. However, the people's court shall not protect the rights that have been damaged for more than 20 years. Under special circumstances, the people's court may decide to extend the time according to the application of the obligee.