If CCB’s credit card is overdue for three months, the bank may consider suing.

First, the bank will evaluate whether to prosecute based on the delinquency situation and the customer's credit history. If a customer owes a large amount and has not repaid it for a long time, the bank may consider taking legal measures to protect its own rights and interests.

Secondly, banks will also consider the repayment willingness and ability of overdue customers. If the bank repeatedly urges repayment but does not receive a positive response, or the customer cannot provide a reasonable repayment plan and solution, the bank may consider pursuing legal means to recover the arrears.

In addition, the bank will also decide whether to sue based on the overdue amount. If the overdue amount is small, the bank may give priority to other methods of collection, such as negotiating a repayment plan with the customer. But if the overdue amount is large, the bank may be more inclined to resolve it through legal means.

To sum up, after three months of overdue credit card of China Construction Bank, the bank may consider the possibility of prosecution. But the specific decision also depends on the delinquency situation, the customer's willingness and ability to repay, and the size of the overdue amount.

Extended information:

Overdue credit cards may have a negative impact on personal credit history. Banks may report overdue records to credit bureaus, which will affect an individual's credit evaluation results when applying for loans, credit cards and other financial services in the future. Therefore, timely repayment is an important part of maintaining a good credit record.

In addition, before filing a lawsuit, banks usually urge customers to repay through phone calls, text messages, letters and other channels multiple times, and provide opportunities for repayment negotiation. Overdue customers should contact the bank promptly and actively seek solutions to avoid possible legal disputes and bad credit records.

Summary:

After China Construction Bank’s credit card is overdue for three months, the bank will evaluate whether to sue based on the delinquency, willingness and ability to repay, and the size of the overdue amount. Overdue customers should contact the bank promptly and actively seek solutions to avoid possible legal disputes and bad credit records.

Reference materials:

"Guiding Opinions of the People's Bank of China on Personal Credit and Personal Credit Business of Commercial Banks"