Legal analysis: whether the credit card will be prosecuted after it is overdue has nothing to do with the amount and length of time owed, and the bank prosecution is not standardized. According to the legal level, it is more than 3 months overdue to meet the standard of being sued.

Legal basis: Article 119 of the Civil Procedure Law of People's Republic of China (PRC) must meet the following conditions: (1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.