After the bank sues an overdue credit card, the account is still a bad debt of the bank and there is still a relationship with the bank.

Details:

1. Bank prosecution is only a legal measure to pursue overdue repayments, but it does not change the debt of the overdue person to the bank. The purpose of prosecution is to use legal means to force overdue persons to fulfill their repayment obligations.

2. After the bank sues, if the court orders the overdue person to repay the debt, the bank can recover the debt through enforcement procedures. This means that those who are overdue still need to repay the corresponding arrears to the bank.

3. Even if the bank obtains a judgment through prosecution but cannot execute it, the overdue person still has a debt. Banks can continue to use other methods, such as judicial auctions, financial penalties, etc., to recover arrears.

4. In addition, late repayment will have a negative impact on the credit record of the overdue person, which may lead to a decline in credit rating and limit his future credit activities.

Summary:

After a bank sues an overdue credit card, the overdue person still needs to bear the debt, and the account is still a bad debt for the bank. Overdue borrowers should make timely repayments to avoid further legal consequences and damage to their credit history.

Extended information:

According to the relevant provisions of China's Civil Procedure Law, all cases related to personal credit (such as credit card overdue payment disputes) will generally be accepted by the People's Court. Overdue persons can try to avoid prosecution by negotiating repayments, repayment arrangements, debt restructuring, etc., and actively communicate with the bank to solve the problem. It is worth noting that since disputes over overdue personal credit card payments are general civil cases, the actual judicial judgment of the local court should prevail.

In addition, according to the regulations of the People's Bank of China, banks have the right to take different management measures after receiving overdue credit card repayments, including reporting overdue accounts to credit reporting agencies, suspending the use of credit cards, and taking legal action means litigation, etc. The above measures are all to protect the rights and interests of banks, but overdue borrowers still need to bear debt liability.

Therefore, after a bank sues an overdue credit card, the overdue person still has a relationship with the bank, and the debt has not been eliminated by the lawsuit. The overdue person should repay the debt in time to avoid further affecting the credit record and personal financial status. .