If the credit card fails to pay the commission of 1 10,000 yuan, it may be sued for more than 3 months. In general, the collection procedure of the bank is that the internal staff of the bank collect the money in the first three months. If the customer fails to repay the loan, the bank will outsource it to an outsourcing company for collection, or directly submit the materials to the Legal Department for filing and collection. If the repayment is not made during the filing period, it will be handed over to the court for judgment. It usually takes 3-6 months to urge outsourcing or legal collection from banks, and the time will not be long. Paying off debts is a matter of course. Moreover, cardholders will enter the Lao Lai list, credit blacklist and so on in the future. If he enters the police station, there will be records to register. 1, as long as the money is owed, the bank may sue, which is decided by the bank; 2. If the amount owed reaches 1 10,000 yuan or more, and it has not been returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" in criminal law and suspected of credit card fraud; 3. The amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law. 4. Legal basis: Article 196 of the Criminal Law has one of the following circumstances, which constitutes the crime of credit card fraud and theft. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft.