China Merchants Bank will be sued for overdue credit cards. If the credit card is overdue for more than 90 days, it meets the conditions of credit card fraud, and the bank can sue the cardholder in court. Moreover, the overdue credit card will affect the personal credit record and there will be jail time.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.