A court hearing for an overdue credit card case will be held within three months after the case is filed.

The court will hold a hearing within three months at the latest. If you are prosecuted for an overdue credit card, it means that the overdue situation is serious. During this period, you must actively negotiate with the credit card center for repayment to avoid being sentenced to corresponding penalties.

The main steps of a court hearing are as follows:

1. The clerk will check whether the parties and other litigation participants are present in court, and announce court discipline;

2. The presiding judge shall announce the opening of the trial. The presiding judge will check the parties, announce the cause of the case, announce the list of judges and clerks, inform the parties of the relevant litigation rights and obligations, and ask the parties whether they have applied for recusal;

3. Conduct court investigation. The court investigation is conducted in the following order:

(1) Statements from the parties;

(2) Inform witnesses of their rights and obligations, testify, and read out the testimonies of witnesses who are not present in court;

(3) Present documentary evidence, physical evidence, audio-visual materials and electronic data;

(4) Read out the appraisal opinion;

(5) Read out the inspection transcript. During this period, the parties concerned may, with the permission of the court, ask questions to witnesses, appraisers, and examiners.

4. Conduct court debates. The court debate is conducted in the following order:

(1) The plaintiff and his litigation attorney speak;

(2) The defendant and his litigation attorney respond;

(3) The third party and his litigation agent speak or respond;

(4) Debate each other. After the court debate ends, the presiding judge will solicit the final opinions of all parties in the order of the plaintiff, defendant, and third party.

5. Comment and pronounce judgment. After the court debate or the defendant's final statement, the judge enters the deliberation room to discuss and make a ruling.

To sum up, after a credit card overdue lawsuit is filed, a court hearing will be held within three months at the latest. If the case has special circumstances or is complicated and requires an extension of the statute of limitations, it can be If an application is submitted to the higher people's court, the maximum extension time shall not exceed six months. If the parties are not satisfied with the judgment given by the court, both parties can appeal.

Legal basis:

Article 92 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Commercial banks shall implement classified management of credit card risk assets, and classify The standards are as follows:

(1) Normal category: The cardholder can repay the amount payable in full before (and including) the due repayment date in accordance with the pre-agreed repayment rules

(2) ) Category of concern: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is between 1 and 90 days (inclusive).

(3) Sub-category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 91-120 days (inclusive).

(4) Suspicious category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 121-180 days (inclusive).

(5) Loss category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days exceeds 180 days