1. According to Chinese law, overdue credit cards will generally be sued by the bank within a certain period of time after the overdue date, and the specific number of days is generally more than 90 days;

2. Within 90 days of the overdue date Days later, the bank has the right to decide whether to include the overdue amount in the litigation process and file a lawsuit with the court;

3. If the bank decides to sue, the court will accept the case and proceed with the procedure in accordance with the law, and the final judgment may include enforcement measures. Such as freezing assets, deductions, etc.

Details:

According to relevant laws and regulations in China, banks usually give a certain grace period after a credit card is overdue so that cardholders can pay off the overdue amount. However, if a certain time frame is exceeded, usually more than 90 days, the bank has the right to decide whether to take legal action and file a lawsuit in court.

After the bank decides to file a lawsuit, the court will accept it and carry out corresponding procedures. During the litigation process, there will be court trials and hearings. The court will listen to the statements and evidence of both parties and make a judgment based on the facts and relevant laws.

If the court determines that the cardholder does have overdue payments and complies with legal procedures, the court may take enforcement measures to protect the bank's legitimate rights and interests. Enforcement measures may include freezing the cardholder's assets, deducting funds, etc., aiming to force the cardholder to fulfill its repayment obligations.

Summary:

According to Chinese law, if a credit card is overdue for more than 90 days, the bank has the right to decide whether to sue and file a lawsuit in court. The court will make a judgment based on the facts and legal provisions and may take enforcement measures. Therefore, if a credit card is overdue, the cardholder may face the risk of court prosecution and enforcement.

Extended information:

When a credit card is overdue, banks usually use collection measures to recover the payment and remind cardholders to repay as soon as possible. If a cardholder delays repayment or is unable to repay, the bank may decide to resolve the overdue issue by taking legal action in court.

Please note that the above is a general approach. Specific legal provisions and litigation procedures may vary slightly depending on the region and the particularity of the case. It is recommended to communicate with the bank as soon as possible when facing overdue credit card issues and seek professional legal advice to understand your rights and countermeasures.