Legal analysis: If a credit card holder is unable to repay the minimum payment amount for three consecutive months, then the credit card issuing bank has the right to file a lawsuit in court. Bank dunning process: Generally, as long as there is an overdue payment, the bank will notify you via text message within about two weeks. If you are overdue multiple times and the payment is overdue for more than one month, the bank will contact you by phone. If the debt is not repaid after repeated communication and the payment exceeds three months, the bank has the right to sue.

Legal basis: Article 188 of the "People's Republic of China and Civil Code" The statute of limitations for petitioning the People's Court for protection of civil rights is three years. If the law provides otherwise, such provisions shall prevail. The statute of limitations shall be calculated from the date when the right holder knows or should know that the right has been damaged and the obligor knows. If the law provides otherwise, such provisions shall prevail. However, if it has been more than 20 years since the right was damaged, the people's court will not grant protection. If there are special circumstances, the people's court may decide to extend the time based on the application of the right holder.