Whether a bank sues for bad debts depends on the reasons for the formation of bad debts. The situation is as follows:

1. For debtors that cannot be contacted or cannot be recovered after reminders, they have been sluggish for a long time. Whether the overdue person will be prosecuted for the status of the payment, the bank needs to look at the reason for the overdue payment.

2. If the bad debt is caused by overpayment, the bank will not sue.

3. If the bad debt is caused by overdue debt, if the overdue time is long and the overdue amount is large, there is indeed the possibility of being sued by the bank.

4. If it is a bad debt caused by a general credit loan. In the case where personal credit is affected, if the user is overdue for a long time and has a large credit limit, there is also the possibility of being sued. As we all know, loans must be repaid, and if they are not repaid, you will need to bear corresponding legal liabilities.

1. Bad debts refer to receivables that have passed the repayment period and the bank cannot clear the accounts, and may become bad debts.

2. Generally, there are two reasons for bad debts:

1. Overpayment.

Many people now use credit cards. When the repayment date comes, they are afraid that the repayment amount will be insufficient and may cause overdue payment. Therefore, many people may pay back more money, such as what should be paid in a certain bill month. The bill was 800 yuan, but he paid 1,000 yuan and left. The extra 200 yuan was considered an overpayment. For these overpayments, you can directly withdraw them in cash, or you can spend them by swiping your card. However, if you do not use this credit card for a long time or make purchases after repayment, then the 200 yuan overpayment will always be deposited in the bank. , after a certain period of time, this overpayment will become a bad debt, but this kind of bad debt will have no impact on the customer.

2. Bad debts caused by overdue credit cards.

The bad debts you see on your credit reports now are basically caused by overdue credit cards. After your credit card becomes overdue, the bank will adopt different collection methods at different stages. For example, if it is overdue for one month, the bank may mainly notify you through text messages; if it is overdue for one to three months, it will cooperate with phone collection or door-to-door collection. ; If it is overdue for more than three months, you may receive a court summons from the bank, or the bank may entrust a third-party collection agency to collect the money. Various collection methods may be used when it is received.

But if the bank still cannot recover the money normally through various collection methods, and the money is overdue for more than one year, it may be listed as bad debt by the bank because it has not been collected for more than one year. If the credit card cannot be repaid, the bank may write it off and use part of the current profit to offset this part of the bad debt.

3. Once a bad debt is included in the list, this status will always be displayed on everyone’s credit report. This kind of bad debt is more serious than if you are overdue, for example, if you apply for a loan or credit card again At that time, once there were bad debts on the personal credit report, it was basically impossible to get approval, because the overdue bad debts can be said to be a blacklist among the blacklists.