You will not be prosecuted if your credit card is one month overdue. But over time, you may be prosecuted. The bank's measures for overdue credit cards include first reminding cardholders to repay as early as possible through text messages, WeChat, etc. If that doesn't work, they will entrust a third-party agency to collect payment. Customers who have long-term overdue repayments may be prosecuted. Although legally speaking, as long as the cardholder fails to repay the payment on time within the agreed time, the card-issuing bank has the right to sue the overdue cardholder, but if the cardholder's overdue amount is not high, or the overdue period does not exceed three months , the cardholder will not be prosecuted.

Legal basis: Article 188 of the "People's Republic of China and Civil Code"

The statute of limitations for petitioning the People's Court for protection of civil rights is three years. If the law provides otherwise, such provisions shall prevail.

The statute of limitations shall be calculated from the date when the obligee knows or should know that the right has been damaged and the obligor knows. If the law provides otherwise, such provisions shall prevail. However, if it has been more than 20 years since the right was damaged, the people's court will not grant protection. If there are special circumstances, the people's court may decide to extend the time based on the application of the right holder.

What are the consequences of an overdue credit card?

1. Liquidated damages, usually the minimum repayment amount, 5% of the unpaid portion;

2. High The interest is compounded, and the interest is very scary when the debt is large;

3. Overdue interest will stain your credit record, resulting in the inability to handle financial needs such as house purchases and loans within the next 2 years. ;

4. If the payment is overdue for more than 3 months, and the amount exceeds RMB 10,000, and the bank has failed to pay multiple reminders, you will not only have to pay back the money, but may also bear criminal liability.