First of all, credit card consumption is a civil act, involving contractual relations. According to the provisions of China Contract Law, generally speaking, the limitation period for civil contracts is the contract performance period plus the agreed termination, cancellation and termination period, but the longest period shall not exceed 2 years. If there is a specific time limit for the contract involved in credit card consumption, the limitation of prosecution shall be calculated according to the time limit.
Secondly, even if the credit card consumption contract does not specify the time limit, according to the general provisions of the China Contract Law, the limitation period for prosecution is generally two years. This means that the creditor can't ask the debtor to bear the liability for breach of contract through legal channels if he doesn't file a lawsuit within two years from the date when he knows or should know that the debt occurred.
however, it should also be noted that in practice, credit card debt often involves many factors, such as overdue interest, late fees and so on. For these additional expenses, the limitation period of prosecution may be extended according to different circumstances. At the same time, if there is a special agreement between the creditor and the debtor or the two sides reach other solutions through consultation, the limitation period of prosecution may change.
in short, it is not accurate that a credit card cannot be sued for more than a few years. Under specific circumstances, according to the laws of China, the limitation period of prosecution will be different due to the contractual agreement, special agreement and other related factors. Therefore, it needs to be analyzed according to the specific situation to judge whether it can be prosecuted.
Extended information:
China Contract Law came into effect on October 1, 1999 and is an important part of China's Civil Code. The law stipulates the rights and obligations of the establishment, dissolution and performance of a contract, and details the validity of the contract and the liability for breach of contract. In terms of credit card consumption, according to the relevant provisions of the contract law, credit card holders form a contractual relationship with banks when using credit cards, and both parties need to fulfill their respective rights and obligations.
at the same time, China's civil procedure law also clearly stipulates the limitation of prosecution. According to the provisions of this law, for ordinary civil cases, the limitation of prosecution is generally two years, and failure to file a lawsuit within the time limit is deemed to have expired. Of course, the limitation of prosecution of specific cases may also be affected by some special provisions or factual circumstances, which need to be judged and handled according to specific circumstances.
finally, I want to emphasize once again that the above explanations are for reference only, and the specific judgments and operations should be carried out according to the actual situation and legal provisions. If you encounter corresponding problems in actual operation, it is recommended to consult a professional lawyer for detailed legal advice and help.