if the credit card 2 is overdue for more than three months, you may be sued. However, if the amount owed by the parties is small or due to unpaid annual fees and other reasons, banks generally will not sue, but will only urge them to pay back. 2, yuan is not a big sum, but the high interest rate of the bank will keep rising. When it reaches a certain amount, the bank will meet with the parties in court.

if the credit card is overdue, it will be collected at the meeting once. As long as the credit card is overdue, even if it is one hour, the bank will upload the overdue record to the credit center, which will make the overdue user's personal credit record appear bad. However, as long as the arrears are short and the amount is relatively small, it will not affect the future loan business in most cases. If the overdue time is too long, it will be regarded as a malicious overdraft, and it will be very difficult to handle bank credit business in the future.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China

Credit card fraud is committed under any of the following circumstances, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, 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 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: < P > (1) using a forged credit card or using a credit card fraudulently obtained with false identification;

(2) using an invalid credit card;

(3) fraudulent use of another person's credit card;

(4) malicious overdraft.

the malicious overdraft mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.