First of all, in general, credit cards will go through a series of stages when they are overdue. In the early stage of overdue payment, the bank will remind customers to repay by phone, SMS, email and other channels, and may charge a certain amount of late payment fee or overdue interest. If the customer still fails to repay the arrears in full, the bank can take further measures, such as notifying the defaulting unit or contacting the guarantor for collection. At this stage, banks mainly hope that customers can repay as soon as possible to avoid greater losses.
Secondly, under normal circumstances, after a certain period of overdue, banks will consider taking legal measures to recover the arrears. Due to the differences in banking policies and local laws, the specific length of this period may be different. Therefore, a little late payment every month will not immediately lead to the bank suing customers.
In short, in the case of overdue credit card repayment, if the arrears can be paid off as soon as possible, the bank's collection measures can be handled reasonably, and the bank's repayment arrangements can be observed, it will generally not lead to immediate prosecution. However, overdue repayment may lead to personal credit record damage, as well as paying extra late fees and overdue interest.
Supplementary information:
1. The specific recourse process and overdue policy of credit cards may be different for different banks.
2. Banks usually clearly stipulate the consequences of overdue repayment and related expenses when customers sign credit card contracts.
3. If the situation is serious, the bank may transfer the arrears to a third-party collection company for collection.
4. If the customer fails to repay the loan within the time limit, the bank can submit relevant information to the credit reporting agency, which will affect the personal credit reporting record.
It should be noted that the above answers are for reference only, and the specific situation may be different due to bank policies and local laws. It is recommended to communicate with the bank in time when the credit card is overdue to understand the relevant measures and repayment arrangements.