Generally speaking, as long as the borrower is willing to repay, and the overdue amount is small and the time is short, the bank will not file a lawsuit.

Whether the bank will sue the cardholder mainly depends on the following three points:

1. overdue amount: if the cardholder's overdue amount is small, only a few thousand yuan, the bank will not directly sue, because the bank needs to invest some energy in bringing a lawsuit, and the cardholder's overdue amount will be recovered through legal means, which is not worth the loss for the bank, so it will generally take the form of telephone collection; However, if the overdue amount is above 6.5438+0 million, the probability of being sued will be great.

2. Overdue time: Generally, if the overdue time is less than three months, the bank mainly collects money. Because this method is relatively low in cost, the bank will generally hand over the collection business to the outsourcing company to save personnel costs; However, once the credit card is overdue for more than 3 months or even longer, the probability of bank prosecution will greatly increase.

3. Willingness to repay: after the credit card is overdue, it still repays 100 yuan every month, indicating that the cardholder has a certain willingness to repay. If the cardholder can answer the collection call on time, keep in touch, have a good attitude and keep good communication with the bank collection staff, the general bank will not resort to prosecution, but if the cardholder changes his mobile phone number for a long time, he is likely to be prosecuted.

Cardholders should pay attention to the fact that although the bank may not sue or file a case, the unpaid part beyond the repayment date will be regarded as overdue and recorded in the credit report; Overdue bad records will be recorded in personal credit records. If you don't pay it back all the time, you will be blacklisted, which will affect your personal credit. Cardholders are advised to repay on time to avoid overdue.