The lawsuit-free period for overdue industrial and commercial credit cards means that the bank will leave a window of time for the customer to repay on their own within a certain period of time after the customer makes overdue repayment. According to public information related to the query, this time window is usually called the lawsuit-free period. That is to say, if the customer can pay off the debt in time during this period, the bank will not take legal action or other coercive measures against the customer. If the loan is not repaid within the litigation-free period, the bank has the right to take legal measures to recover the arrears and incur corresponding liquidated damages and interest.