If your credit card is overdue for half a month, you will generally not be prosecuted immediately.

Details:

1. Legal procedures: After overdue repayment, banks will usually remind customers to repay as soon as possible through phone calls, text messages, etc. If the customer still fails to pay off the balance, the bank may take further collection measures, such as sending collection letters or conducting interviews. Prosecution is the final stage of legal proceedings and generally occurs after a period of time and multiple collections.

2. Number of overdue days: half a month overdue is shorter, and banks will generally give a certain grace period, hoping that customers will repay as soon as possible to avoid further legal disputes. Therefore, banks usually do not immediately sue customers within half a month of overdue payment.

3. Specific circumstances: Whether you will be sued depends on the specific circumstances, such as overdue amount, historical repayment record, customer credit, etc. If a customer continues to be overdue and refuses to repay, the bank may consider taking legal action to pursue the claim. However, half a month overdue is generally not enough to result in immediate prosecution.

Summary:

Credit cards that are overdue for half a month will generally not be prosecuted immediately. Banks will usually use collection measures to encourage customers to repay as soon as possible. Whether you will be sued depends on factors such as the number of days past due, the amount of the debt, and the customer's creditworthiness.

Extended information:

Late repayment may cause damage to your credit record and have a negative impact on your personal credit rating and future loan applications. It is recommended to communicate with the bank in a timely manner and try to pay off the debt as much as possible to avoid unnecessary legal disputes.