If you are sued for an overdue credit card, it will take at least 3 months. Within three months of overdue payment, no matter what happens to the cardholder, the bank holding the card will not sue. However, after three months, if the cardholder still fails to repay the money despite multiple calls from the cardholder bank, he may be suspected of violating the law and will be sued by the cardholder bank.

1. How long does it take to be sued for an overdue credit card? The court generally does not have clear regulations. It only clarifies the time limit for the trial. Generally, it takes 3 months to complete the simple procedure. If it is completed through the ordinary procedure, it will take 6 months. months time. This is calculated from the time of filing the case to the final execution result. Banks will not easily sue users. After all, it takes a lot of manpower and material resources. Therefore, banks will basically initiate lawsuits in the user's local people's court for users who are seriously overdue, owe large amounts of money, and have failed to collect. After the lawsuit is filed, the court has about a week to decide whether to accept it.

2. What is the process for being sued for overdue credit cards? First, if the bank still fails to repay the loan after multiple collections, the bank will file a civil lawsuit with the court (the larger amount will be criminal liability. Second, After receiving the bank's request for litigation, the court will take the initiative to investigate the facts. Once your debt is confirmed, the local court will ask the bank for your personal information. Third, the bank will compile the litigation materials and submit them to the court for approval. After receiving the litigation materials, the court will generally review and approve it within seven days to decide whether to accept it. Fifth, after the civil ruling, if you are able to repay but refuse to repay, you may be guilty of credit card fraud. It may constitute criminal liability. Sixth, after the case is filed with the relevant department, the bank will entrust the local People's Procuratorate to file a lawsuit in about 4 months. The above is the specific process of prosecution after the credit card is overdue, and the second negotiation can be interest-free. The maximum installment can be 5 years and 60 months.

3. Will you be imprisoned if you are sued for an overdue credit card? According to regulations, there is a chance of being imprisoned if you are charged with malicious overdraft credit card fraud. Users will be sentenced. Malicious overdraft refers to the behavior of the user who has an overdue principal of more than 50,000, has the nature of illegal possession, and intentionally overdrafts the credit card. If a simple procedure is followed, it will take about 3 months to prosecute. However, if you go through complicated procedures, it will take a long time, and the impact on the individual will be very large. First, you need to bear the high interest caused by the overdue period. Secondly, the longer the overdue period, the higher the personal tax. There will be flaws in the credit record, and if it is serious, it will be blacklisted, which will have a great impact on future loans.