1. How long does it take for a credit card to be sued after an overdue credit card?

1. According to the law, if a credit card holder cannot repay the minimum payment for more than three consecutive months, the bank has the right to file a lawsuit in court. litigation. But under normal circumstances, the bank will not file a lawsuit in court when the cardholder has just overdue. The bank will first contact the cardholder to urge him to repay. If the cardholder refuses to pay after being urged or cannot contact the cardholder, , the bank will file a lawsuit in court.

2. Legal basis: Article 196 of the "Criminal Law of the People's Republic of China"

The crime of credit card fraud involves one of the following circumstances: carrying out credit card fraud activities, If the amount is relatively large, the sentence is to be not less than five years in prison or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; If the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

(3) Pretending to use other people’s credit cards;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

2. What to do if the debtor is unable to repay the debt

The debtor is unable to repay the debt and can be handled as follows:

1. The debtor is temporarily unable to repay. Yes, you can negotiate with the creditor to repay in installments;

2. The debt should be paid off. If the debtor is temporarily unable to repay, he can negotiate with the creditor to repay in installments. If you are able to repay but refuse to repay, the court will make a mandatory repayment decision;

3. Inability to repay means having no ability to repay. If there is partial repayment ability, it should be partially repaid.