if a bank brings a civil lawsuit to the court, the court should decide whether to accept it within 7 days from the date of receiving the litigation materials.
if you owe 1, yuan, and you still don't pay it back for more than 3 months after twice collection by the bank, it constitutes the crime of credit card fraud and you should bear criminal responsibility. After the public security organ files a case for investigation, it usually takes about four months for the procuratorate to file a public prosecution with the court. Explanations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management
Article 6 If a cardholder overdraws beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and fails to return it for more than 3 months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.
under any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196 of the Criminal Law:
(1) knowing that there is no repayment ability and a large amount of overdraft cannot be returned.
(2) the overdrawn funds are wantonly squandered and cannot be returned.
(3) escaping after overdraft, changing contact information and evading bank collection.
(4) withdrawing or transferring funds, concealing property and evading repayment.
(5) using overdrawn funds for illegal and criminal activities.
(6) other illegal possession of funds and refusal to return them.
malicious overdraft, the amount of which is more than 1, yuan but less than 1, yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 1, yuan but less than 1 million yuan, it shall be deemed as "a huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 1 million yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.