The main reasons why credit card overdue debts have not been sued are as follows:

1. The cost of default is high: suing overdue debts requires time, energy and money, and is not necessarily Able to successfully recover arrears. For banks and other financial institutions, they usually focus more on overall risk control and devote more resources to preventing overdue payments rather than prosecuting and recovering.

2. Negotiate repayment first: In order to maintain good customer relationships, banks often choose to negotiate with overdue customers and provide deferment of repayment, interest reduction or installment payment to solve the problem. This can not only ensure the recovery of part of the arrears, but also avoid causing customer dissatisfaction or reputation damage.

3. Judicial congestion: Court resources are limited, and a large number of overdue debt cases will lead to judicial congestion. Therefore, courts may prioritize cases that have significant social impact or are more controversial, rather than prosecuting every overdue debt.

In summary, the reason why credit card overdues are not prosecuted is because the cost of default is high, banks are more inclined to negotiate repayment, and judicial resources are limited. This does not mean that overdue debts do not need to be repaid. Personal commitments should be actively fulfilled and the debts paid off in a timely manner.

Extended information: Overdue credit cards will have a negative impact on personal credit records, which may lead to a reduction in credit records and difficulties in obtaining loans or credit card approvals. In addition, depending on individual circumstances and creditor policies, banks or financial institutions still have the right to choose to sue overdue debtors to recover arrears. Therefore, even without prosecution, there are still risks and consequences for overdue debt.