Legal analysis: According to the law, if a credit card holder cannot repay the minimum repayment amount for more than three consecutive months, the bank has the right to file a lawsuit in court. However, under normal circumstances, the bank will not file a lawsuit against the card holder. When the payment is overdue, a lawsuit will be filed in court. The bank will first contact the cardholder to urge the cardholder to repay. If the cardholder fails to repay after being urged or cannot contact the cardholder, the bank will file a lawsuit in court.

Legal basis: Article 1030 of the "People's Republic of China and Civil Code" The relationship between civil subjects and credit information processors such as credit reporting agencies shall apply to the protection of personal information in this section stipulations and relevant provisions of other laws and administrative regulations.

Article 1032: Natural persons enjoy the right to privacy. No organization or individual may infringe on the privacy rights of others through spying, intrusion, leakage, disclosure, etc.

Privacy is the peace of private life of a natural person and the private space, private activities and private information that a natural person does not want to know about others