Legal analysis: The statute of limitations for credit card debt lawsuits is three years. Credit card debt will result in: overdue credit card fees; overdue interest; bad credit record; litigation costs. If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to issue a lawyer's letter to the user and file a lawsuit with the court. The litigation costs will be borne by the holder. The cardholder bears criminal liability for malicious overdraft.

Legal basis: "The People's Republic of China and the Civil Code"

Article 188 The statute of limitations for petitioning the People's Court for protection of civil rights is three years. If the law provides otherwise, such provisions shall prevail.

The statute of limitations shall be calculated from the date when the obligee knows or should know that the right has been damaged and the obligor. If the law provides otherwise, such provisions shall prevail. However, if it has been more than 20 years since the right was damaged, the people's court will not grant protection. If there are special circumstances, the people's court may decide to extend the time based on the application of the right holder.

Article 189: If the parties agree to perform the same debt in installments, the statute of limitations shall be calculated from the expiration date of the last installment.