If the conditions for prosecution are met, the case shall be filed within seven days and the parties concerned shall be notified. A case will be filed after three months of default on a credit card. It will take approximately six months for a judgment to be issued after being sued for card debt. According to relevant regulations, the People's Court shall apply ordinary procedures to hear first-instance civil cases within a six-month statute of limitations since the right holder knew or should have known the rights. The damage shall be calculated from the date on which the person suffered the damage 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. The statute of limitations for petitioning the People's Court for protection of civil rights is three years. If the law provides otherwise, the time from credit card prosecution to court hearing depends on the court's procedure for hearing the case. After the indictment is delivered to the court, it shall review the case within seven days and decide whether to accept the case or not, notify the parties and hold a court hearing within three months. . Most banks suspend cards if they are three months overdue, but some banks suspend cards if they are two months overdue. In this case, even if the credit card is deactivated overdue, there will still be late payment fees on the cardholder's bill, and interest will continue to increase. Generally, if a credit card is overdue for 90 days, it can enter the judicial process and file a case. The prosecution period is two years

What are the consequences of overdue credit cards

1. Overdue for more than 90 days, the circumstances Seriously, it can be regarded as malicious overdue, and the bank's collection may also cause pressure on yourself and your family, affecting the normal life of individuals and families;

2. There will be some liquidated damages and penalties for overdue charges. Expenditures such as interest, etc. need to be collected according to the contract. Different institutions have different loan products, and the liquidated damages or penalty interest charged are different;

3. It has an impact on personal credit records, and bad Your credit record will become a hindrance to future mortgage, car and other loans, as well as credit card applications.

Legal Basis

"Civil Procedure Law of the People's Republic of China"

Article 123 The people's court shall ensure that the parties concerned shall comply with the provisions of the law right to sue. Prosecutions that comply with Article 119 of this Law must be accepted. If the case meets the conditions for prosecution, the case shall be filed within seven days and the parties shall be notified; if the conditions for prosecution are not met, a ruling shall be made within seven days and the case will not be accepted; if the plaintiff is dissatisfied with the ruling, he may appeal.