The reasons why banks do not directly sue overdue credit card users but instead repeatedly collect debts are as follows:

1. Cost savings: Prosecution is a time-consuming, laborious and expensive legal process. Banks usually give priority to recovering arrears through collection methods to save related costs and resources.

2. Maintain customer relationships: Banks want to avoid excessive legal measures that could lead to a breakdown in relationships with customers. Through continuous collection, banks can maintain communication with customers, strive to reach a repayment plan, and try to avoid further damage to customers' credit records.

3. Risk control: Banks may give overdue customers a certain period of time to repay in order to assess the customer's willingness and ability to repay. If customers are cooperative during the collection process and repay on time, banks can better control risks and avoid legal proceedings.

Summary:

Banks do not directly sue overdue credit card users but repeatedly collect. Doing so helps save costs, maintain customer relationships and control risks. Through collection methods, banks can maintain communication with customers and seek solutions while avoiding excessive legal measures that may cause harm to customers.

Extended information:

In some cases, banks may choose to prosecute overdue credit card users. This usually occurs when collection attempts fail or the customer refuses to cooperate with the bank. Prosecution may result in further legal disputes and expenses, as well as a greater negative impact on the customer's credit history. As a result, banks will often try to avoid prosecution and seek to return the money owed through collections.