Answer: Generally, if a credit card is overdue and has not been repaid for 3 consecutive months or more, the bank may be sued.

Details:

1. The specific period for credit card overdue varies according to bank policies. Generally speaking, if the credit card bill has not been repaid for three consecutive months, the bank may take Legal action.

2. Banks will usually send collection notices or phone calls within a period of time after the due date to remind customers to repay, and require customers to repay the debt as soon as possible.

3. If the customer continues to delay repayment, the bank may take legal procedures, such as court proceedings, to recover the arrears.

4. It is worth noting that the specific policies of different banks when dealing with overdue accounts may differ and depend on specific contract terms and local laws and regulations.

Summary:

Generally speaking, customers whose credit cards are overdue for 3 months or more may be at risk of being sued by their bank. In order to avoid legal disputes and damage to credit records, customers should promptly consult and communicate with the bank and repay overdue amounts as soon as possible.

Extended information:

The handling of overdue credit card debts usually follows the "Contract Law of the People's Republic of China", "Civil Procedure Law of the People's Republic of China", etc. Relevant laws and regulations. Banks usually seek settlement through collections, mediation, etc. before suing overdue customers. If the customer still fails to repay the outstanding amount, the bank can file a lawsuit in court and require the customer to perform repayment obligations in accordance with the original contract.

According to the bank's internal regulations, some banks may take legal action within a short period of time after the due date, such as 2 months or less. Therefore, in order to protect their own rights and interests, customers should communicate with the bank immediately after overdue payment and repay as early as possible or apply for repayment adjustment to avoid further legal disputes and damage to credit records.

Please note that the above information is for reference only. For specific circumstances, please refer to the bank notification and contract agreement. If you have any questions about the overdue status of your credit card, it is recommended that you consult a professional lawyer or the relevant bank.