The overdue credit card will vary depending on the bank's policy. Generally speaking, if the credit card is overdue for more than three months, the bank may consider an increased possibility of prosecution.

1. How long it takes to be sued by the bank for overdue payments depends on the bank’s policies and circumstances.

2. The main reasons why banks sue overdue credit card holders are as follows:

a. Overdue time: Usually, when a credit card is overdue for three months or more, banks will start to consider taking legal action .

b. Amount owed: A larger overdue amount will also increase the possibility of the bank suing.

c. Holder's repayment ability: If the bank finds that the cardholder is unable to repay overdue debts, it may choose to sue to recover the money.

d. Credit record: If the cardholder's credit record has been seriously damaged, the bank may take legal measures to protect its own rights and interests.

e. Repeated overdues: If the cardholder is overdue multiple times and fails to fulfill his repayment obligations, the bank may choose to sue.

3. In summary, when a credit card is overdue for more than three months, the bank may sue the cardholder. Factors such as overdue time, amount owed, holder's repayment ability, credit history, and frequency of overdue will affect whether the bank chooses to sue.

4.

Extended information:

a. Banks have different procedures for suing overdue credit card holders, such as applying for arbitration, court litigation, etc.

b. Cardholders should communicate with the bank in a timely manner and seek ways to resolve overdue issues such as repayment and deferred repayment.

c. Cardholders should understand their rights and relevant legal provisions to safeguard their legitimate rights and interests.

The above is the relevant explanation of how long it will take for a bank to sue you if your credit card is overdue. Overdue processing needs to be determined according to the policies and circumstances of each bank. Cardholders should repay overdue debts in a timely manner to avoid legal disputes and bad credit records. If you encounter overdue problems, cardholders are advised to contact the bank promptly and seek solutions.