The general litigation process for credit card debt is as follows:

1. First, after the bank calls for payment multiple times, if the party still fails to repay, the bank will file a civil lawsuit in court;

2. If the simplified procedure is applicable to civil cases, the period is three months, and the ordinary procedure is six months.

3. If the party concerned still refuses to return the property after civil adjudication. The case may be transferred to the public security organs for investigation and formally established as a criminal case.

4. After the investigation by the public security organs was completed, the case was transferred to the procuratorate to be prosecuted in court, accusing the parties of malicious overdraft behavior, which constituted the crime of credit card fraud.

The content of this article comes from: China Law Press "Financial Code of the People's Republic of China: Applied Edition"