If the repayment date of a credit card exceeds three days, it is considered as expired. Usually, bank credit cards have a grace period, but there is no uniform provision for the grace period. Depending on the specific provisions of each bank, as long as the repayment exceeds the grace period, it will be regarded as overdue.

according to the China convention on self-discipline of bank card industry, banks provide cardholders with timely repayment services. Three days before the due date of repayment, the bank will remind them to repay by SMS or email, and provide a repayment period of at least three days.

how long will the overdue credit card be prosecuted?

Credit cards that are usually overdue for more than 3 months may be prosecuted.

There are two kinds of overdue credit cards, one is malicious overdue, and the other is non-malicious overdue. If the credit card holder overdraws his credit card for illegal possession, and exceeds the prescribed limit or a certain period of time, and the card issuing bank still fails to repay the loan after three months of repeated notice, he will be prosecuted for malicious overdraft. If the overdue payment is due to the small amount of arrears or the annual fee, the bank will usually not sue, but will collect it by telephone. In addition, according to the relevant laws and regulations, those who still owe more than 5, yuan after collection will be regarded as malicious overdraft and will be included in the blacklist of credit card fraud.