How long it takes for a credit card debt to become bad debt depends on the specific conditions and circumstances. Generally speaking, if the cardholder defaults on the credit card's repayment obligations, the bank will take a series of collection measures until it is listed as a bad debt after a certain period of time. This issue will be explained in detail from several aspects below.

First of all, according to the practices and regulations of China's credit card market, under normal circumstances, credit card debts are calculated from the last repayment date after the bill date. If the cardholder fails to repay the balance after the final repayment date, the bank will begin to count the number of overdue days and collect debts from the cardholder. If the cardholder fails to pay off the balance or reach a repayment agreement with the bank within a short period of time, the overdue record will be recorded in the personal credit report, which may have a negative impact on the personal credit rating.

Secondly, according to Chinese laws and regulations, banks have different handling methods for different overdue situations. Generally speaking, credit card debts that are overdue for more than 90 days will be classified as bad debts by banks, that is, bad debts. Once a credit card debt is classified as bad debt, the cardholder will face the risk of further legal proceedings and may be subject to judicial administrative penalties.

To sum up, the time it takes for a credit card debt to become a bad debt depends on the cardholder's ability and willingness to repay. Generally speaking, if the credit card debt is overdue for more than 90 days, the credit card debt may be classified as bad debt by the bank, but the specific handling method needs to be determined according to the internal regulations and laws and regulations of each bank.

Extended information:

Credit card bad debts have a significant impact on personal credit records and credit ratings. Once a credit card debt is classified as bad debt, an individual's credit rating will be seriously affected, which may affect the individual's future loans, credit card applications, and other credit-related businesses. Therefore, cardholders should always pay attention to the repayment date of their credit card and make sure to repay on time to maintain a good credit record.

In addition, if the cardholder cannot repay the credit card balance within a period of time, it is recommended to contact the bank in time and seek help. Banks usually provide different repayment arrangements and relief measures to help cardholders tide over difficulties and try to avoid the risk of arrears turning into bad debts.

In short, the time it takes for a credit card balance to become bad debt varies depending on individual circumstances. Based on the general regulations of China's credit card market, credit card debts that are overdue for more than 90 days may be classified as bad debts by banks. However, the specific handling method still needs to be determined according to the bank's regulations and laws and regulations. To avoid the risk of bad debts, cardholders should always maintain good repayment habits, communicate with banks in a timely manner, and seek reasonable repayment arrangements to avoid negative impacts on credit records.