First of all, banks usually give customers a certain grace period when dunning, so that customers can repay overdue payments as soon as possible. If today is the last day, but the customer has only paid part of the arrears, the bank may consider taking further actions, including litigation.

Secondly, banks will comprehensively consider multiple factors when deciding whether to prosecute. These include the length of overdue, the amount owed, customer repayment records and internal bank policies. Generally speaking, the longer the overdue period, the greater the amount owed, and the greater the possibility for banks to take legal action.

In addition, the purpose of bank litigation is to safeguard their own rights and interests and recover the arrears. If banks think that litigation is an effective means to recover debts, they can choose to sue debtors. It is worth noting that litigation will take time and money, so banks usually choose litigation only when they ensure the feasibility of recovering debts.

To sum up, in the case that the customer is overdue for three months and only pays part of the arrears, the bank may consider taking legal measures. However, whether or not to file a lawsuit in the end needs to be comprehensively evaluated according to the specific situation. If you are faced with a similar situation, I suggest you communicate with the bank in time and repay as soon as possible to avoid possible legal disputes and affect your personal credit.

Extended data:

The overdue repayment of credit cards is regulated by law in China, and banks have the right to take legal measures to recover the arrears. According to the relevant laws and regulations of our country, banks need to follow certain procedures and conduct debt collection activities legally. The debtor will first receive a repayment reminder from the bank, including a request for prompt repayment of the arrears. If the overdue situation persists, the bank may initiate legal proceedings. In the course of litigation, the breaching party needs to appear in court to participate in the litigation and bear the corresponding legal responsibilities. In order to protect their rights and interests, banks may take further debt collection measures, such as sealing up and freezing property. In short, overdue repayment may lead to litigation risks, so it is very important to repay the arrears in time.