If your credit card is overdue, you will usually be sued by the bank. The specific overdue time and amount owed may vary. Here are some possible situations:

1. Overdue time: Generally speaking, if a credit card is overdue for more than 3 months or 90 days, the bank may Prosecution action will be taken. This is because during the overdue period, the bank will continuously remind customers to repay through collection calls, text messages and other channels. If the repayment is not received after a period of time, the bank may decide to recover the arrears through legal means.

2. Amount owed: Although there is no specific legal standard for the amount owed, generally speaking, smaller amounts of arrears may take longer to be prosecuted. The bank may first try to recover the debt through collection, outsourcing collection and other methods. It will not consider taking prosecution measures until it finds that recovery is difficult or the customer refuses to repay.

To sum up, how long it takes for a credit card to be overdue to be prosecuted mainly depends on the overdue time and the amount owed. Generally speaking, if the overdue period exceeds 3 months or 90 days, and the amount owed is large or recovery is difficult, the bank may take prosecution action.

Extended information:

Overdue credit card repayment is a breach of contract, and banks have the right to take legal measures to prosecute defaulting customers. According to Chinese law, local courts can judge whether to take prosecution action based on specific circumstances, so there may be certain regional differences. In addition, it should be added that if a customer's credit record is damaged due to default, it may have a negative impact on future credit applications.

When dealing with overdue credit card issues, it is recommended that customers communicate with the bank as soon as possible and negotiate a repayment plan to avoid further legal disputes and adverse effects. At the same time, maintaining a good credit record and timely repayment can help maintain personal credit and avoid legal disputes.

The above is the answer to how long it will take to get sued if your credit card is overdue.