Within three months. According to a query on Hualu.com: China Merchants Bank has overdue credit card lawsuits, and the court usually makes a ruling within three months. Overdue credit card cases are generally subject to simplified procedures, with a time limit of three months. A judgment is usually issued within three months after a civil case is heard. If the case is highly controversial or has a large impact, the judgment will be issued later. The parties can call the judge to inquire about the progress of the case. The judge's contact information is included in the summons.