1. Will the bank's bad debts be prosecuted, as the case may be:

(1) If the bad debts of credit cards are caused by overpayment, banks generally will not prosecute them;

(2) If the bad debts are overdue, if the overdue time is long and the overdue amount is large, there will be the possibility of being sued.

2. Legal basis: Article 122 of the Civil Procedure Law of the People's Republic of China

A lawsuit must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) There is a clear defendant;

(3) There are specific claims, facts and reasons;

(4) it is within the scope of civil litigation accepted by the people's court and under the jurisdiction of the people's court against which the lawsuit is filed.

Article 123

A prosecution shall submit a complaint to the people's court, and a copy shall be submitted according to the number of defendants.

if it is really difficult to write a complaint, it can be brought orally, which will be recorded by the people's court and the other party will be informed.

Second, what is the basic process of bringing a lawsuit to the court

1. Submit a complaint to the court with jurisdiction to apply for filing, and the parties prepare evidence;

2. The court will serve the announcement of the court session and notify both parties of the court session time within seven working days;

3. Bring all the materials to court on the day of the court session to present evidence and debate and express opinions;

4. The court conducts mediation; if mediation fails, the collegial panel will make a judgment;

5. Waiting for the judgment and execution of the court.