The first situation is long-term overdue repayment, especially if the credit card debt has not been repaid for more than six months. The bank may take legal measures to demand repayment from the debtor and sue the debtor through the court.
the second situation is that the credit card debt is large and overdue. If the debt is large and overdue for a long time, banks may think that taking prosecution is one of the most effective ways to recover the debt.
the third situation is malicious overdraft and credit card theft. If the debtor has a record of malicious overdraft or stolen credit card, the bank is very likely to pursue its responsibility through legal means and sue the debtor.
to sum up, overdue credit cards may indeed be prosecuted, especially in the case of long-term overdue repayment, large and persistent overdue credit card debts, malicious overdraft and stolen credit cards. Therefore, it is recommended to repay the loan in time to avoid overdue.
Extended information:
Overdue credit cards will bring a series of negative effects, such as damage to credit records, being investigated for legal responsibility and being sued by banks. Therefore, it is very important to use credit cards reasonably and repay them on time. Once overdue, you can communicate with the bank as soon as possible and try to make a reasonable repayment plan to reduce possible legal disputes. At the same time, paying close attention to personal credit card bills and properly managing personal finances can help avoid overdue situations. Maintaining a good credit record will have a positive impact on personal financial life.
that's all. I hope it will help you. If you have any other questions, please feel free to ask.