Overdue fees on Pudong Development Bank’s credit cards are recovered through collection and prosecution. According to relevant public information inquiries, as of January 19, 2023, overdue fees on Pudong Development Bank’s credit cards have been recovered through collections and prosecutions. If a bank loan is overdue for more than 90 days, the bank will sue. If a bank files a lawsuit in court, after the people's court makes a judgment, the borrower should actively perform its repayment obligations. If it refuses to perform, the bank can apply to the court for enforcement. During this period, the court will seal up and detain the borrower's property.