How long it takes for a credit card to be overdue before being sued for enforcement depends on a variety of factors, including bank policies, the amount owed, and the debtor's repayment performance. Under normal circumstances, the following points can be used as a reference:

1. The first point, overdue time: Generally speaking, banks will have a grace period after the cardholder overdue repayment. The length of the grace period May vary depending on bank policy, generally 15-30 days. If the loan is not repaid after the grace period, the bank may take further legal action, such as prosecuting the debtor.

2. The second point is the amount of arrears: Banks may handle different amounts of overdue arrears in different ways. For smaller arrears, the bank may choose to recover through collection and other methods rather than taking prosecution action; while for larger arrears, the bank may be more inclined to sue for enforcement.

3. The third point is repayment performance: If the debtor has good repayment performance before, the bank may give more grace periods or opportunities to negotiate repayment. However, if the debtor is frequently overdue or has not repaid for a long time, the bank is more likely to take enforcement action.

To sum up, there is no clear fixed time limit for being sued for overdue credit cards and will vary depending on factors such as bank policies, the amount owed, and the debtor's repayment performance. Generally speaking, banks will consider taking appropriate legal measures within a modest period of time after the grace period. In any case, debtors are advised to make timely repayments to avoid unnecessary legal disputes and impact on personal credit records.

Extended information:

According to relevant Chinese laws and regulations, overdue credit card repayment is a breach of contract, and banks have the right to take legal measures to recover arrears. After the due date, the bank will usually remind the debtor to repay the debt through phone calls, text messages, etc. If the debtor fails to repay the debt for a long time or refuses to perform its repayment obligations, the bank can take legal measures such as prosecution or application for enforcement to recover the arrears and protect its own rights and interests.

I emphasize again that the above is only a general analysis. Specific circumstances also need to consider factors such as the regulations of different banks, the practice of local courts, and personal circumstances. In order to avoid unnecessary trouble, cardholders are advised to be cautious when using credit cards, repay on time, and maintain a good credit record.

The above are answers based on common situations. I hope it will be helpful to you. If you have further questions, please feel free to ask.