If you pay off a portion of your overdue credit card every month, banks generally will not sue. \r\nLegal basis: "Civil Procedure Law of the People's Republic of China" \r\nArticle 13 Civil litigation shall follow the principle of good faith. \r\nThe parties have the right to dispose of their civil rights and litigation rights within the scope provided by the law. \r\n"General Principles of the People's Republic of China and Civil Law"\r\nArticle 108 Debts must be paid off. If the debt is temporarily unable to repay, the debtor may repay it in installments with the creditor's consent or the people's court ruling. If the person is able to repay and refuses to do so, the People's Court shall make a judgment to force repayment.