ICBC may be sued if its credit card is overdue for more than three months. If the amount owed is not large or due to the unpaid annual fee, the bank will generally not sue, but will only urge it to be repaid. Generally, if the debt is owed for one to three months, ICBC will mainly remind the cardholder to repay it in time by telephone, so as not to overdue for too long. If it is more than three months, the bank will blacklist the cardholder and prepare to sue.