The answer to whether multiple banks will jointly sue for overdue credit cards is as follows:

According to Chinese law, multiple banks will generally not jointly sue for overdue credit cards.

First of all, the credit card contracts between each bank and its customers are independent, and there is no direct legal obligation or cooperative relationship between them. Therefore, even if a customer has overdue credit cards from multiple banks, each bank cannot directly resolve the overdue problem through joint prosecution.

Secondly, when banks collect overdue credit card payments, they usually take internal collection measures first, such as reminding customers to repay through phone calls, text messages, letters, etc. If these internal collection methods are ineffective, the bank may entrust a third-party collection agency to recover overdue amounts. Different banks may choose different collection methods and agencies instead of joint prosecution.

To sum up, multiple banks will not directly jointly sue customers for overdue credit cards, but will resolve them through independent collection measures.

Extended information:

It is worth noting that although multiple banks will not jointly sue overdue credit cards, each bank has the right to take legal measures to recover overdue amounts. If a customer is overdue on a payment at one bank, that bank can file a separate lawsuit to recover the overdue amount. In addition, if the customer defaults on a large amount and fails to repay it for a long time, the bank may take legal measures to resolve it.

Therefore, whether it is to protect your personal credit record or avoid unnecessary trouble, it is very important to pay off your credit card debt in time. If a customer's credit cards from multiple banks are overdue due to various reasons, it is recommended to communicate with each bank as soon as possible and take active repayment measures to avoid possible legal risks and credit losses.

Please note that the above answers are for reference only and are subject to relevant laws, regulations and bank policies. If necessary, please consult professional legal advisors or bank staff for accurate legal advice and solutions.