Legal analysis: Yes, in fact, if the lending institution wants to sue the debtor, it has nothing to do with the amount of the debt. As long as the lending institution has evidence to prove that the debtor really owes money, even if he only owes 1 yuan, he can sue and the court will accept it. Even if the cardholder claims that he has no money to repay, the court will force the cardholder's property to be inspected for repayment. Most people can bear a debt of 3,000 yuan, so the cardholder will most likely not be listed as a defaulter by the court. However, the consequences of overdue credit cards are still serious.

Legal basis: "General Principles of Loans" Article 12 Loan Extension: If the loan cannot be repaid on time, the borrower shall apply to the lender for a loan extension before the loan maturity date. It is up to the lender to decide whether to extend the loan. When applying for the extension of a guaranteed loan, mortgage loan or pledged loan, the guarantor, mortgagor and pledger must also issue a written certificate of consent. If there is an agreement, it shall be implemented in accordance with the agreement. ?The cumulative extension period of short-term loans shall not exceed the original loan period; the cumulative extension period of medium-term loans shall not exceed half of the original loan period; the cumulative extension period of long-term loans shall not exceed 3 years. Unless otherwise provided by the state. If the borrower does not apply for extension or the application for extension is not approved, the loan will be transferred to the overdue loan account from the day after the expiration date.