One of the following three situations exists, and the probability of being sued is very high.

1. The amount owed is tens of thousands: the greater the principal owed by the credit card, the higher the penalty interest and liquidated damages will be. At that time, the cardholder will definitely be unable to repay, and the bank does not want to pay more and more credit card debts, so it is very likely that a lawsuit will be initiated to let the cardholder repay as soon as possible. In particular, if the principal of arrears reaches 5,, once it is prosecuted, it is likely to be punished.

2. The cardholder lost contact: Credit cards are different from online loans, and there is no saying that they are forced to go ashore without answering the phone. If the cardholder refuses to collect the phone, or simply changes his number, moves and jobs to avoid the collection, he will only be able to hide for a while, but will make the bank intensify the collection. Otherwise, he may just call and worry about the collection, and he may directly sue.

3. Long overdue time: Credit card prosecution usually takes three months as the deadline. If the credit card has not been repaid for more than three months, it has been repaid for three consecutive periods, which shows that the cardholder has no willingness to repay, and the bank will naturally not let it go, and will recover the arrears through prosecution.