Beijing Bank may be sued after two months of overdue consumer loans.

Detailed instructions:

1. According to the problem description, you are 3 months overdue on the BIB consumer loan, exceeding the two-month deadline.

2. Banks have certain recourse rights for overdue loans. Under normal circumstances, banks may take one or more of the following measures to recover debts:

a. In the first stage, banks may collect loans through phone calls, text messages, etc., and require you to repay the debt as soon as possible .

b. In the second stage, if you still fail to fulfill your repayment obligations, the bank may take legal proceedings and apply to the court to name you as a defendant and require you to pay off the debt.

c. In the third stage, if the court orders you to pay the amount owed, you need to fulfill your repayment obligations according to the requirements in the judgment, otherwise you may face further legal consequences.

3. In summary, if you are overdue on your BIB consumer loan for two months or more, the bank may choose to take legal proceedings to sue you and recover the arrears.

4. When dealing with overdue loans, please contact BIB promptly to explain your difficulties and provide solutions as early as possible to avoid further legal disputes.

Extended information: Overdue loans refer to the situation where the borrower fails to repay the loan in accordance with the time and method agreed in the contract. According to the "Contract Law of the People's Republic of China" and relevant laws and regulations, banks have the right to recover overdue loans and may take legal procedures to prosecute borrowers and require them to perform their repayment obligations. In order to avoid legal disputes and credit record problems caused by overdue repayment, borrowers should consciously fulfill their repayment obligations, communicate with the bank in a timely manner, and seek solutions.