If your credit card is overdue for three months, you will be prosecuted.

When a credit card is overdue for one month, the bank will usually use text messages or phone calls to urge the debtor to repay in time; when the credit card is overdue for more than one month and less than three months, the bank will use internal collection methods. Or outsource it to a third party to urge the debtor to repay; when the debtor is overdue for more than three months, the bank will send a lawyer's letter to the debtor. If the debtor still does not repay the debt, the bank will sue the court. . It should be noted that credit card overdues are divided into malicious overdues and non-malicious overdues. Malicious overdue means: the credit card holder overdrafts the credit card for the purpose of illegal possession, and exceeds the prescribed limit or for a period of time, and fails to repay the credit card after two valid notices from the issuing bank for three months. Banks will only take legal action against malicious overdue behavior.

Solutions to overdue credit cards: After an overdue credit card occurs, be sure to contact the card application institution as soon as possible and ask whether the credit card you applied for has a time tolerance mechanism. If so, quickly make up the balance you owe on the bank card. If you cannot pay off all the balance due, repaying according to the minimum payment amount is not a bad idea. Be sure to pay off the balance in time and explain to the bank staff that you did not overdue the payment maliciously. If your personal credit report was good before and there was nothing wrong, do not be careless after this and pay attention to the bank's billing information and collection information.