Legal analysis: The prosecution of credit card cases can be divided into civil cases and criminal cases according to the amount involved. The credit card prosecution of civil cases is carried out in accordance with the general prosecution procedure, which is usually filed within 7 days after the prosecution, and the case will be notified to the court for handling. The criminal credit card prosecution can only be filed after the investigation by the public security or inspection organs is completed.

legal basis: article 123 of the civil procedure law of the people's Republic of China, the people's court shall guarantee the parties' right to sue in accordance with the law. A lawsuit that conforms to Article 119 of this Law must be accepted. Those who meet the conditions for prosecution shall file a case within seven days and notify the parties concerned; If it does not meet the conditions for prosecution, it shall make a ruling within seven days and will not accept it; If the plaintiff refuses to accept the ruling, he may appeal.

article 19 of the criminal procedure law of the people's Republic of China. when a public security organ or a people's procuratorate discovers a criminal fact or a criminal suspect, it shall file a case for investigation within its jurisdiction.