Postal savings bank credit card overdue for more than 90 days meets the conditions of credit card fraud, and the bank can sue the cardholder in court.

According to the provisions of China's criminal law, cardholders who overdraw beyond the prescribed time limit and are not returned after being collected by the issuing bank, cardholders who use forged credit cards, etc. , the amount is relatively large, can be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and impose a fine of not less than 20 thousand yuan but not more than 200 thousand yuan.

If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.

When the cardholder fails to repay the minimum repayment amount within the specified time, an overdue record will be generated. If the cardholder has overdue records for more than 90 days, it will be regarded as a bad credit record, which will affect the handling of mortgage, car loan, credit card and other credit businesses.