Legal analysis: Cardholders who owe less than 1 are rarely prosecuted by banks, mainly because the definition of credit card fraud is very harsh in the legal provisions on credit cards, and the most important thing is that cardholders will only be criminally liable if the amount owed exceeds 50,000 yuan. Therefore, banks rarely sue cardholders who owe less.

2. In the cardholder's past credit card transaction history, when the personal credit is good and the overdue reason is just right, banks generally trust such cardholders, and usually take the way of collection to collect the arrears, and will not easily sue.

3. After the credit card is overdue, the cardholder with good negotiation attitude will generally not be sued by the bank. Because in the bank's view, such cardholders are willing to repay, and the bank is also willing to give cardholders repayment time in the case of collecting penalty interest and liquidated damages. Of course, this situation is limited to banks, and the third-party collection agency will definitely hope that you can return it as soon as possible.

Legal basis: Obtaining loans, bill acceptance, letters of credit, letters of guarantee, etc. in Article 175- 1 of the Criminal Law of People's Republic of China (PRC). Whoever obtains funds from banks or other financial institutions by deception, causing heavy losses to banks or other financial institutions or other serious circumstances, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also or only be fined; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.