More than three months. According to the "Regulations of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Credit Card Dispute Cases", a bank may file a lawsuit with the People's Court to require the cardholder to repay principal, interest, late fees and other expenses 90 days after the cardholder's overdue repayment. It can be seen that if there is a bad debt on the credit card and the bank is collecting the debt, the individual does not explain the situation to the bank and does not pay back, then the credit card bad debt exceeds three months, the bank will hold the credit card. The cardholder sued and forced the cardholder to repay, so the bad debt was enforced for more than three months. Bad debts will directly affect the user's application for a credit card or loan at the bank. Once bad debts appear in the credit report, especially those caused by overdue, this is more serious than ordinary overdue records.