Legal analysis: there is no restriction on the prosecution of credit card arrears, as long as the other party meets the following conditions: (1) the plaintiff is a citizen, legal person and other organization with direct interest in this case; (2) Having a clear defendant; (3) Having specific claims, facts and reasons; (4) Belonging to the scope of civil litigation accepted by the people's court and the jurisdiction of the sued people's court.

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) Belonging to the scope of civil litigation accepted by the people's court and the jurisdiction of the sued people's court.