How long will it take for Shanghai Pudong Development Bank to be sued if its credit card is overdue?

Generally, if a cardholder is overdue for more than 3 months and the bank repeatedly collects debts to no avail, the bank will sue the cardholder. Once the lawsuit is lost, the cardholder will bear all the bank's fees, and You will be put on the bank's gray list and even go to jail.

Overdue credit cards of Shanghai Pudong Development Bank generally have the following situations:

1. If a credit card of Shanghai Pudong Development Bank is overdue for one month, the bank will notify the cardholder if the cardholder has used the credit card before. Good, then the impact of overdue will not be big.

2. If the Shanghai Pudong Development Bank credit card is overdue for two months, the bank will notify the cardholder of the late payment fee. At this time, the cardholder needs to repay the loan as soon as possible, otherwise it will affect his or her personal credit report. If the cardholder maintains a good personal credit rating after paying off the card debt, then there won't be much of a problem.

3. If the Shanghai Pudong Development Bank credit card is overdue for three months, the bank will notify the cardholder that the financial regulations and contract descriptions have been affected. In this case, the repayment must be made, as long as the cardholder is within three months. The repaying bank will not sue.

4. If the cardholder has not repaid the loan after the bank calls or flyers for collection, and it has been overdue for more than three months, the bank will sue the cardholder. After five months of overdue payment, the cardholder will receive Court leaflet; at this time, Shanghai Pudong Development Bank will send the cardholder’s credit record to the National Credit Supervision Bureau; of course, the result of the lawsuit will definitely be that the cardholder loses the case.

No matter what, credit card is a double-edged sword, which naturally has advantages and disadvantages. You need to be cautious when using credit cards, combine your own financial strength, consume rationally, and consume appropriately.