Legal analysis: if the credit card is overdue for more than 3 months, the bank may sue. Suggestions: First, take the initiative to negotiate with the bank to explain the reasons for the difficulty in repayment; Once the borrower fails to repay the loan on time due to unemployment, illness or other unexpected reasons, before the deadline for repayment comes, it is best to take the initiative to call the bank, state his financial situation, declare that he is not in bad faith, and apply for deferred repayment and interest concessions. 2. Repaying part of the principal and interest owed indicates a good willingness to repay; Raise funds, repay part of the loan principal and interest, show a good willingness to repay, strive for the understanding of the bank, and agree to repay by installments. Under normal circumstances, no bad record will be formed; Third, sign the installment repayment plan; Pay the loan on time. Seeing the borrower's positive performance and previous good credit record, the bank will basically agree to repay the loan by installments, and negotiate with the borrower a repayment plan acceptable to both parties, such as extension period, interest discount, monthly repayment amount, etc. However, it should be noted that the repayment will be guaranteed in the future.

Legal basis: People's Republic of China (PRC) Civil Procedure Law.

Article 17 The basic people's courts shall have jurisdiction over civil cases of first instance, except as otherwise provided by this Law.

Article 18 The Intermediate People's Court shall have jurisdiction over the following civil cases of first instance:

(1) Major foreign-related cases; (two) cases that have a significant impact in the region; (3) Cases determined by the Supreme People's Court to be under the jurisdiction of the Intermediate People's Court.

Article 119 A prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) Belonging to the scope of civil litigation accepted by the people's court and the jurisdiction of the sued people's court.