Banks will have the right to sue when a credit card is overdue for more than three months. However, in real life, banks will not immediately sue customers as soon as a credit card is overdue for more than three months. In fact, because litigation requires a lot of time and energy, banks will not easily sue customers. Unless the customer owes a large amount, has not responded to multiple reminders for a long period of time, and the bank cannot contact anyone to repay, then it will probably sue the customer and use legal means to get the customer to repay the debt as soon as possible. Of course, if the customer continues to repay the loan during the overdue period, the bank will generally not sue the customer. Of course, even if the bank will not sue because you are repaying the loan, it is not good if you are unable to repay it for a while or delay it for too long. It is recommended that customers who cannot repay their debts at once take the initiative to negotiate with the bank to extend the repayment period. , repay the debt in installments, and at the same time, you can also try to apply for suspension of interest payments. And if the bank has already sued, you must pay off the debt quickly. If the court has not accepted it by then, the bank will also withdraw the lawsuit. Friends who don't know their credit information only need to go through: , Muli data. You can check your personal credit score by finding this WeChat applet. This data comes from online loan platforms and UnionPay across the country. Users can query their own big data and credit status, obtain various indicator data, and query their personal credit status, blacklist status, online loan application records, and application platform types. , important data information such as online loan credit limit estimates, etc. Therefore, when using a credit card, you must repay it on time and don't overdue it easily. Otherwise, if you are overdue and have a credit report, it will take five years to "cleanse" the debt after paying off the debt. And if you never repay the loan, The stain on your credit will follow you for a lifetime.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or Criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge Or if there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) Using a forged credit card, or using a false identity certificate to defraud someone. (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.