Legal analysis: three to six months. The bank will remind you by SMS and phone first, then someone will collect it twice, and then sue after three months. The court session of the procuratorate usually takes about 15 days, while the criminal case usually takes three to six months from filing investigation to court judgment.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan, or if there are other serious circumstances, it shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or if there are other particularly serious circumstances. Sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and concurrently fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property: (1) using a forged credit card; (2) Using an invalid credit card; (3) fraudulently using another person's credit card; (4) malicious overdraft.