The answer to the problem of overdue credit card being sued is as follows: non-repayment of credit cards will have a series of consequences, which will not only affect the use of credit cards by credit card holders, but also affect other financial services such as applying for loans and new cards in the future. Specifically, the consequences of overdue credit cards include: first, overdue repayment after credit card overdraft is a breach of contract, and banks can require cardholders to repay the principal, overdue interest, late payment fees, and over-limit fees. If the bank sues the court and wins, the cardholder will also bear the litigation costs. Secondly, if the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to pay it back within the time limit, which constitutes the crime of credit card fraud, he should also bear criminal responsibility. Finally, overdue repayment will leave a bad credit record for cardholders, which will affect the smooth progress of cardholders' future loans and other behaviors.

Legal objectivity:

Article 676 of the Civil Code If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations. Article 678 of the Civil Code: Before the repayment period expires, the borrower may apply to the lender for extension; If the lender agrees, it can be extended. Article 667 of the Civil Code is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.