According to the above classification, overdue loans can be prosecuted for more than 90 days. For bank loans, banks can sue if they are overdue for 90 days. The loan owed to the bank is a loan contract dispute, and the bank can sue the court for recovery regardless of the amount. If the bank still refuses to perform after the judgment of the court, it may apply to the court for compulsory execution. For small loans, loans overdue may face lawsuits for more than half a year, and small lending institutions are more inclined to collect arrears, and the means of collection are even more horrible. Whether it is through mobile phone online lending or borrowing from banking institutions, repayment must be made within the agreed time limit. If it is malicious, it may be considered as malicious arrears, and if the circumstances are serious, it will be prosecuted. When the court or procuratorate hears such cases, it may treat them as mobile phone loan fraud.

Legal objectivity:

Article 92 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks implements classified management of credit card risk assets. The classification criteria are as follows: (1) Normal category: the cardholder can repay the payables in full according to the repayment rules agreed in advance before the due repayment date (inclusive). (2) Category of concern: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 1-90 days (inclusive). (3) Sub-category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 9 1- 120 days (inclusive). (4) Suspicious category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 12 1- 180 days (inclusive). (V) Loss category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days exceed 180 days.