First, overdue credit cards will lead banks to take legal action. The overdue credit card is a breach of contract, and the bank has the right to take legal measures to recover the arrears. The bank may choose to sue you and ask you to repay the overdue credit card through legal channels.
Second, the possibility of prosecution is influenced by many factors. Whether the bank chooses to sue depends on many factors, including the amount of overdue debts, your willingness and ability to repay, and the bank's policies and decisions. If the amount of overdue debt is large and lasts for a long time, banks are more likely to choose to sue.
Third, prosecution may bring legal consequences. If the bank sues successfully, you may face a court ruling demanding repayment of the arrears. The court has the right to freeze your account, seal up your property or take other compulsory measures to ensure that you fulfill your repayment obligations. In addition, the prosecution may have a negative impact on your credit record and affect your future credit application.
To sum up, if your credit card is overdue for almost 3 months, you may face the risk of bank prosecution. Whether to prosecute depends on various factors, including the amount owed, willingness and ability to repay. In order to avoid further legal disputes and negative impact on credit records, it is suggested to contact the bank as soon as possible to seek repayment arrangements or consult legal professionals.
The above is the general answer to the overdue credit card question, for reference only. If there are specific circumstances, please consult relevant professionals to obtain accurate legal advice. I wish you a smooth solution to the problem of overdue credit cards.
Extended data:
According to the Contract Law of People's Republic of China (PRC), credit card is a form of loan contract. The borrower's failure to repay the arrears on time on the agreed repayment date constitutes a breach of contract. As creditors, banks can take legal measures to recover overdue debts, including prosecution and application for enforcement. The law clearly stipulates the breach of contract, and there are corresponding rights protection and relief measures for borrowers and banks.
The above is based on general answers and does not represent specific suggestions for individual cases. The specific circumstances should be analyzed and handled according to the specific circumstances of the case. In view of the complexity and variability of the law, when encountering legal problems such as overdue credit cards, it is recommended to consult professional lawyers or legal advisers to obtain more accurate legal opinions and suggestions.