If your credit card is overdue for more than three months, you may be sued, and you may be sued. If the amount you owe is not large or you owe money due to unpaid annual fees or other reasons, the bank will generally There will be no prosecution, only repayment. Relevant laws stipulate that any debt exceeding RMB 5,000 that is not repaid after collection is considered a malicious overdraft and will be included in the credit card fraud blacklist. It is recommended to contact the bank as soon as possible to reach a repayment agreement, and at the same time, actively respond to the lawsuit in court to avoid consequences that are detrimental to you. Because according to the law, if the credit card debt reaches more than 50,000 yuan and has been collected by the bank twice and has not been returned for more than three months, it may constitute a crime of credit card fraud. "Interpretation of the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 6 The cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and after two collections by the card-issuing bank, it exceeds 3 If the money is still not returned after 3 months, it shall be deemed as a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. Anyone who has any of the following circumstances shall be deemed to be "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196 of the Criminal Law: (1) knowing that he has no ability to repay and making a large overdraft that cannot be returned; (2) wantonly Squandering overdraft funds that cannot be returned; (3) escaping after overdraft, changing contact information, and evading bank collection; (4) evading or transferring funds, hiding property, and evading repayment; (5) using overdraft funds to commit illegal activities Criminal activities; (6) Other behaviors of illegally possessing funds and refusing to return them. Malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "relatively large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be deemed as a "large amount" under the Criminal Law. "Huge amount" as stipulated in Article 196; if the amount is more than 1 million yuan, it shall be deemed as "especially huge amount" as stipulated in Article 196 of the Criminal Law. The amount of malicious overdraft refers to the amount that the cardholder refuses to return or the amount that has not been returned under the conditions specified in the first paragraph. Excludes compound interest, late fees, handling fees and other fees charged by the card-issuing bank. Malicious overdrafts should be investigated for criminal liability, but if all overdrafts and interests have been repaid after the public security organ files the case and before the people's court makes a judgment, they may be given a lighter punishment. If the circumstances are minor, they may be exempted from punishment. If the malicious overdraft amount is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law.