1> After being overdue for 3 months, the bank has the right to sue the borrower, but banks usually do not initiate lawsuits easily, but urge the borrower to pay off the debt as soon as possible.

2> If the overdue amount exceeds 10,000 yuan, and the bank has not repaid the payment after two calls, and the overdue period exceeds three months, it may be judged as malicious overdue, and the bank will sue the cardholder. , serious borrowers will be sentenced.

3> If the amount is particularly huge or there are other particularly serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated.