Maybe.

1. As long as the debt is owed, the bank may sue at any time, which is decided by the bank;

2. As a creditor, a bank or lending financial institution will not repay the debt when the debtor defaults. In the case of payment, you can file a lawsuit. This is the legal right granted to creditors by the Civil Code and the Civil Procedure Law.

3. If the amount owed reaches more than RMB 10,000 and is still not returned for more than 3 months after two collections by the card-issuing bank, it shall be deemed as a "malicious overdraft" under the criminal law and suspected of credit card fraud; Whoever commits credit card fraud and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years. , and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years of fixed-term imprisonment or life imprisonment, and also a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation. :

4. If the amount of malicious overdraft is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued according to law.

Legal basis:

"Civil Procedure Law of the People's Republic of China"

Article 3

The People's Court accepts cases involving citizens The provisions of this Law shall apply to civil lawsuits brought between persons, between legal persons, between other organizations, and between them due to property relations and personal relations.

"Criminal Law of the People's Republic of China"

Article 196

Under any of the following circumstances, the amount of credit card fraud shall be If the amount is huge or there are other serious circumstances, the sentence shall be fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 50,000 yuan. If the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years of fixed-term imprisonment or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

(3) Pretending to be Using other people’s credit cards;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.