According to relevant laws and regulations in China, credit card users who are overdue for one year in China may face prosecution.

First of all, the reason why you will be sued if your credit card is overdue for one year is that an overdue credit card is a breach of contract, and one year after the default, the bank may take legal measures to recover the debt.

Secondly, banks usually take a series of collection measures to require repayment, including reminding and warning overdue customers through phone calls, text messages, etc. If a customer fails to pay off the balance within a year, the bank may refer the overdue account to the legal department for processing.

Third, once the bank transfers the overdue account to the legal department, the bank may take the overdue customer to court and require them to bear corresponding legal liability and pay off the overdue debt.

In short, if your credit card is overdue for one year, you may be prosecuted. When encountering an overdue credit card situation, it is recommended to communicate with the bank in a timely manner to avoid overdue repayment and seek legal and compliant solutions.

Extended information:

According to China's "Contract Law" and "Civil Procedure Law", the borrower's overdue repayment is a breach of contract, and the creditor has the right to take legal measures to maintain legality rights and interests. After a credit card is overdue for a certain period, the creditor can take the breach of contract to court to recover the overdue debt, and may apply for a judgment that the borrower bears corresponding legal liability.

Liquidated damages, interest and other relevant provisions for overdue repayment are usually clearly stipulated in the loan contract. Borrowers should clearly understand and abide by the contract stipulations and make timely repayments to avoid legal disputes. At the same time, borrowers should strengthen personal credit management, reasonably arrange consumption and repayment plans, and ensure timely repayment of arrears to maintain personal credit records and good credit ratings.

It is worth noting that different banks may have different overdue processing and prosecution procedures. For specific processing methods and time limits, please refer to the relevant credit card contracts and bank regulations to understand your specific legal rights and interests. and obligations.

The above is the answer based on Chinese laws and regulations. If you encounter legal issues, it is recommended to consult a professional legal agency or lawyer.