Legal analysis: If a lawsuit has been filed, the People's Court will serve a summons; the bank's legal department can also serve a notice. If the loan is not repaid within the time limit, a lawsuit will be filed with the People's Court. In this case, the bank has not yet Prosecution. Without a court summons, a bank legal notice has no legal effect. A court summons refers to a legal document prepared by the plaintiff and issued by the court to notify the respondent of information about the lawsuit. After the case is filed, the summons must be served to the other party, and the defendant is usually served with a summons within 7 days. In real life, the court generally controls how long it takes to receive the summons after filing the case. Generally, it is within 10 days to a month.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or Criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge Or if there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) Using a forged credit card, or using a false identity certificate to defraud someone. (2) Using an invalid credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. Malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still refuses to return the card after being called upon by the card-issuing bank. Malicious overdraft is the main form of risk in credit card business and is part of credit card fraud