How long will it take for the overdue credit card 3000 to be prosecuted? It depends on the situation:

1. If the credit card 3000 is overdue for more than three months, the bank will not immediately prosecute the overdue cardholder. If It is only once or twice that the credit card is overdue. The bank will verify the situation clearly. If the overdue is not malicious, the cardholder will pay off the debt in time. Generally, the bank will not sue, but it may increase the loan interest rate appropriately;

< p>2. If a credit card is overdue for more than three months and the cardholder still fails to pay off the debt in time after two effective collections by the bank, the bank has the right to sue the user who uses the credit card overdue. This situation is more serious for credit cards that have been overdue three times in a row or six times in two years. Banks will refer to an individual's number of overdue payments in the past two years when approving loans. Generally speaking, if a loan applicant has three consecutive overdue repayments within two years, or a cumulative six overdue repayments, he or she will not be able to obtain a loan.

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

A prosecution must meet the following conditions:

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

(2) There is a clear defendant;

(3) There are specific litigation claims and facts , reason;

(4) It falls within the scope of the People's Court to accept civil litigation and the jurisdiction of the People's Court subject to the lawsuit.

Article 123

A prosecution shall be submitted to the People's Court, and copies shall be submitted according to the number of defendants.

If it is really difficult to write a complaint, you can file a complaint orally, and the people's court will record it and inform the other party.