1. Resource advantages: Banks have abundant financial and legal resources, can carry out large-scale litigation activities, and have high investment ability in lawyer team, evidence collection and analysis.

2. Advantages of data and information: Banks have accumulated a large amount of customer data and transaction information in the field of credit card business, which has important evidential value for credit card litigation. Banks can find bad behaviors such as fraud and malicious arrears through data analysis, and can accurately determine the amount of arrears and other related issues.

3. Familiarity with procedures and rules: Banks are familiar with the procedures and rules of credit card litigation, and can better formulate litigation strategies, handle various legal affairs, and provide professional defense in court.

4. Deterrence: As a financial institution, the bank's prosecution has a certain deterrent effect on the defendant, thus increasing the defendant's debt performance.