The details are as follows:

1. Possibility of prosecution: After the credit card is overdue for three months, the bank or credit card company has the right to take legal proceedings to prosecute the cardholder. Although the bank will decide according to the specific circumstances, it has violated the repayment agreement of the credit card three months overdue, so there is a risk of being sued.

2. debt recourse procedure: once the bank chooses to sue, according to the civil litigation procedure in China, the bank will take legal measures to pursue the repayment of the debt. The procedures include filing a case, serving a summons, hearing, etc., and ultimately the cardholder may be judged to repay the overdue arrears, and whether to add fines, interest and liquidated damages according to the specific circumstances.

3. Impact on personal credit records: Being sued for overdue credit cards for more than three months will not only damage personal credit records and reduce credit scores, but also affect the approval results of financial affairs such as applying for loans and handling credit cards in the future. This negative influence may persist for a certain period of time, affecting personal credit status and financial activities.

Summary:

Credit cards overdue for three months may be prosecuted. Banks have the right to choose whether to sue according to the specific circumstances, and take legal procedures to recover overdue debts. If sued, personal credit records will be damaged and have a long-term impact on personal financial activities.

Extended information:

In view of the fact that overdue payment will cause personal credit records to be damaged, it is very important to prevent and properly handle it in advance. When the repayment is overdue, you can communicate with the bank and seek solutions as early as possible, such as deferred repayment and installment payment, so as to reduce potential legal risks.

In addition, as a cardholder, knowing the repayment bill of credit card in time, developing good repayment habits and reasonably controlling the credit card usage amount are all important measures to maintain personal credit and avoid overdue. In financial behavior, we should make careful decisions and establish a good credit image, which has a positive impact on personal financial life and development.