According to relevant laws and regulations and practical experience in China, the reason why banks do not sue for one-year overdue credit cards may be due to the following considerations:

First, the legal costs are high. Prosecuting overdue cases requires a large investment of manpower, material and financial resources, including hiring lawyers, collecting evidence, appearing in court, etc., which will increase the bank's costs. When the overdue amount is not large, the bank may weigh the pros and cons and choose to target cost reduction without prosecution.

Secondly, debt tracking is difficult. Within a year, the debtor may use various means to avoid debt collection, such as changing mobile phone numbers, moving addresses, etc. These actions will increase the difficulty and cost for banks to recover debts, so banks may give up prosecution and choose other methods to collect overdue amounts.

In addition, banks maintain their brand image. Prosecution could create negative publicity and put the bank's reputation at risk. In order to maintain their own brand image and good market image, banks may be reluctant to make overdue cases public and prefer to adopt other mechanisms to solve overdue problems.

In short, the reason why banks do not prosecute cases where credit cards are overdue for one year may be due to comprehensive considerations. Whether due to factors such as legal costs, difficulty tracking debts, or maintaining brand image, banks may choose not to sue to reduce costs, reduce risks, and seek other ways to resolve overdue issues.

Extended information:

Credit card overdue is a breach of contract. Overdue occurs when the payment is not repaid on time within the repayment period stipulated in the contract. According to China's "Contract Law", late payment requires liability for breach of contract, including payment of overdue penalty interest, late fees, etc. Under normal circumstances, banks will remind debtors to fulfill their repayment obligations and resolve overdue issues through phone calls, text messages, lawyer's letters, etc. Of course, if the overdue amount is large or there are malicious overdue circumstances, the bank may choose to file a lawsuit in court to recover the debt.

However, the situation of a credit card that is overdue for one year is relatively special and may involve more factors and considerations. Since the specific circumstances of each case are different, banks will consider multiple factors when deciding whether to prosecute to best protect their own interests.

The above is a conclusion drawn from analysis based on common practice and experience. The specific situation may be affected by factors such as the debtor's behavior, the amount owed, the difficulty of debt tracking, and the bank's own strategies. different. When deciding whether to file a lawsuit, the bank will comprehensively consider the actual situation and choose the most appropriate method to resolve the overdue problem.