Legal subjectivity:

1. It is possible to be prosecuted for more than three months. 2. If your credit card is overdue for more than three months, you may be sued. However, if the amount owed is not large or due to unpaid annual fees or other reasons, the bank will generally not sue and will only demand repayment. 5,000 yuan is not a large amount, but the bank's high interest rates will continue to rise. When it reaches a certain amount, the bank will meet with you in court. Legal objectivity:

Article 676 of the Civil Code: If the borrower fails to repay the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations. Article 678 The borrower may apply to the lender for an extension before the repayment period expires; if the lender agrees, the extension can be made. Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due.