1. How long does the credit card overdraft reach the secondary level

1. The credit card is overdue for 91-12 days (inclusive) and reaches the secondary level. According to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, commercial banks should implement classified management of credit card risk assets, which are divided into five categories: normal, concerned, secondary, suspicious and loss.

2. The "sub-category" means that the credit card holder fails to fully repay the payable amount on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 91-12 days (inclusive).

second, how long will the credit card be sued

banks will have the right to sue when the credit card is overdue for more than three months, but in real life, banks will not sue customers as soon as the credit card is overdue for more than three months. In fact, because litigation takes a lot of time and energy, banks will not sue customers easily.

unless the customer owes a large amount of money, and there is no response to repeated reminders for a long time, and the bank can't contact anyone to repay it, it is estimated that the customer will be sued and the customer will be repaid as soon as possible through legal means. Of course, if the customer keeps paying back during the overdue period, the bank will generally not sue the customer.

Of course, even if the bank won't sue because of repayment, if it can't be repaid at one time, it's not good to delay for too long. It is suggested that customers who can't pay off their debts at one time take the initiative to negotiate with the bank to extend the repayment period and repay their debts in installments, and at the same time, they can try to apply for suspension of payments.

And if the bank has sued, it should pay off the debt quickly. At that time, if the court has not accepted it, the bank will also withdraw the lawsuit.

in special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.