Is it true that ICBC is suing for an overdue credit card of RMB 20,000? As long as money is owed, the bank may sue, which is at the bank's discretion. If the amount owed reaches more than RMB 50,000 and is still not repaid for more than three months after two collections by the card-issuing bank, it shall be deemed a "malicious overdraft" under the criminal law and suspected of credit card fraud. When a credit card is overdue, the bank's purpose is to recover the debt, not to deliberately embarrass you. The bank's final prosecution also requires manpower and material resources, so for small amounts, the prosecution rate is relatively low. Although 20,000 yuan does not reach the standard line for criminal liability, the prosecution rate for ICBC credit cards is particularly high due to the high overdue trend. When the overdue period exceeds 3 months, I feel impatient and have already gone through the prosecution process. The normal time for prosecution is 3 months or 6 months overdue. It is recommended that cardholders try to negotiate repayment with the bank. Banks that have been overdue for a long time or have malicious debts can take legal action and sue. We hope this will attract attention. Serious overdue payments will leave a bad credit record, so it is recommended to pay back the money as soon as possible. The consequences of a late loan are serious. One is that the court will rule against you. Second, your personal bad credit will be recorded in the bank. In the next few years, it will affect your mortgage loan, car loan, etc. The above is the sharing of relevant content about "Indictment for overdue ICBC credit card of RMB 20,000". I hope it can help everyone!