Legal analysis: Industrial and commercial credit cards overdue for more than 9 days are in danger of being sued, but it depends on the overdue amount of users. In the case that the overdue amount is not large, banks generally will not sue cardholders. Generally, the bank will collect the overdue repayment, and it will be blacklisted by the bank after more than 9 days. It is best for the cardholder to repay the loan on time after using the credit card at ordinary times, and there will be no overdue repayment, which will lead to penalty interest. In fact, users can use installment repayment or minimum repayment amount when they can't return their consumption on time, which can reduce the monthly repayment amount and avoid overdue. It is best not to exceed the personal tolerance when using credit card for consumption, generally 5% of monthly income is enough, so as to ensure timely repayment after consumption. In fact, when individuals can't repay on time, users can borrow money from friends around them, which can also avoid overdue. If the cardholder's credit card is overdue, it will cause personal credit information to become bad, which will affect the handling of various loans. If the overdue arrears are not paid back, this record will always be in the credit investigation. After the arrears are returned, it will be kept for 5 years and will automatically disappear after 5 years.

Legal basis: Article 111 of the Civil Procedure Law of the People's Republic of China, if a litigant participant or other person commits one of the following acts, the people's court may impose a fine or detention according to the seriousness of the case; If the case constitutes a crime, criminal responsibility shall be investigated according to law: (1) forging or destroying important evidence, which hinders the people's court from hearing the case; (2) using violence, threats or bribes to prevent witnesses from testifying or instigating, bribing or coercing others to commit perjury; (3) Hiding, transferring, selling off, destroying the property that has been sealed up or detained, or transferring the property that has been counted and ordered to be kept; (4) insulting, slandering, framing, beating or retaliating against judicial personnel, participants in litigation, witnesses, translators, expert witnesses, inspectors and people who assist in execution; (5) Obstructing judicial personnel from performing their duties by violence, threat or other means; (6) Refusing to perform a legally effective judgment or ruling of the people's court. The people's court may impose a fine or detention on a unit that commits one of the acts specified in the preceding paragraph; If a crime is constituted, criminal responsibility shall be investigated according to law.