The general minimum limit is three months, and the process is as follows: Failure to renew after the due date - reminder - credit damage (no loan within 5 years) - issue a lawyer's letter. I don’t know whether there will be prosecution in the end.

Some people maliciously owe money after overdrafting their credit cards, and even cancel their credit cards, thinking that the bank cannot find them. People who think this way should be careful. If you maliciously fail to repay when due, not only will your loan to buy a house or car be restricted, your going abroad and finding a job will be affected, and your spouse's credit may also be affected.

The Criminal Law has this provision on credit card crimes: If an overdraft exceeds the prescribed limit or time limit, and the card issuer still fails to return the money after two calls for more than 3 months, it will be classified as a malicious overdraft. Malicious overdraft of more than RMB 10,000 and less than RMB 100,000 is deemed to be a relatively large amount and shall be punished with imprisonment of not more than five years or criminal detention; if the amount is from RMB 100,000 to RMB 1 million, which is a huge amount, the person shall be sentenced to imprisonment of not less than 5 years but not more than 10 years.