generally, there are three conditions for being sued for overdue credit cards of China Everbright Bank: the overdue amount is more than 1, yuan, the overdue time has exceeded 3 months, and the bank has called for payment more than twice. Once the cardholder meets these conditions, it will be considered as malicious arrears. At this time, he will be sued by the bank. Once he is convicted of credit card fraud, he is likely to bear criminal responsibility. It is recommended to repay in time.