Legal analysis: How to determine the statute of limitations for credit card lawsuits? The method for calculating the statute of limitations for credit card overdrafts is that the calculation begins one day after the repayment date of the credit card overdraft, and the statute of limitations is 3 years.

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.