if a credit card is overdue for one month, it will not be prosecuted. Although legally speaking, as long as the cardholder fails to repay the loan on time, the issuing bank has the right to prosecute the overdue cardholder. However, if the overdue amount is not high or the overdue time is not more than three months, the cardholder will not be prosecuted.

The solution to the one-month overdue credit card is as follows:

1. If the credit card holder is overdue for more than one month, the cardholder can pay off part of the arrears first, and then contact the issuing bank to inform him of his strong repayment intention.

2. Inform the issuing bank that its current repayment ability is limited, and hope to negotiate repayment. When negotiating, you can submit your own financial certificate or asset certificate to show that you have the ability to repay slowly, but you can't pay it off at one time.

3. In most cases, if repayment is negotiated, it is difficult for banks to agree to reduce overdue interest and penalty interest, so cardholders can choose an appropriate way to handle repayment business, such as applying for repayment by installments.

Legal basis:

Article 64 of the Civil Procedure Law of the People's Republic of China

The parties have the responsibility to provide evidence of their own claims.

Article 119

A lawsuit must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) There is a clear defendant;

(3) There are specific claims, facts and reasons;

(4) it is within the scope of civil litigation accepted by the people's court and under the jurisdiction of the people's court against which the lawsuit is filed.

Article 12

A prosecution shall submit a complaint to the people's court, and submit a copy according to the number of defendants.

article 123

the people's court shall guarantee the right of prosecution enjoyed by the parties in accordance with the law. A lawsuit that conforms to Article 119 of this Law must be accepted. Those who meet the conditions for prosecution shall file a case within seven days and notify the parties concerned; If it does not meet the conditions for prosecution, it shall make a ruling within seven days and will not accept it; If the plaintiff refuses to accept the ruling, he may appeal.