A credit card (debit card) is actually equivalent to your credit to borrow money, so the money must be repaid. If you fail to repay it overdue, you may be sued!

How long does it take for a credit card (debit card) to be overdue before you will be prosecuted?

A credit card (debit card) that is overdue for more than 90 days meets the conditions for credit card (debit card) fraud, and the bank can sue the cardholder in court. However, generally speaking, banks will not directly sue. If a credit card (debit card) is overdue, the bank will remind you to collect. The specific collection methods are as follows:

If the credit card is overdue for about a week, SMS collection will be sent.

If the bill is overdue by one bill date, call to collect.

If the bill is overdue by two dates, we will collect the bill at your doorstep.

If the payment is overdue for more than three months, the bank will file a lawsuit in court.

If the cardholder encounters financial difficulties and cannot pay off the debt within a short period of time, he can proactively call the bank customer service in advance to communicate and apply for a deferral of repayment for a few days, or he can choose to use the minimum repayment or It is a form of installment repayment. In short, it is recommended that everyone take good care of their credit and develop good card use and repayment habits.