1. How long does it take to sue for overdue credit cards?

1. Generally, credit cards overdue for three months will be prosecuted. When the credit card is overdue 1 month, the bank will generally urge the debtor to repay in time by SMS or telephone. When the overdue time is more than one month but less than three months, the bank will urge the debtor to repay through internal collection or outsourcing to a third party;

2. If it is overdue for more than three months, the bank will send a lawyer's letter to the debtor. If the debtor still fails to repay the arrears, the bank will bring a lawsuit to the court. It should be noted that credit card overdue is divided into malicious overdue and non-malicious overdue. Malicious overdue means that the credit card holder overdraws the credit card for the purpose of illegal possession, exceeds the prescribed limit or exceeds a certain period of time, and fails to repay the loan for three months after being effectively notified twice by the issuing bank. Banks will take legal measures against malicious overdue behavior.

Second, what should I do if my credit card is overdue?

1. Use the minimum repayment function. Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief.

2. Use the segmentation function. If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide installment functions of 3, 6, 9, 12, 18 and 24. You can choose the number of installments according to your repayment ability, which can relieve the repayment pressure without affecting your credit.

3. Change the bill date to extend the repayment period. The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once.

4. Actively negotiate with the bank to explain the situation. If you really can't get up for a while because of special circumstances such as work, you can take the initiative to call the bank and explain the reason, which proves that it is not malicious and there is a reason. Discuss whether you can delay repayment. Don't ignore the bank just because you changed your phone, so your personal credit will be lost unless you don't deal with the bank in the future.

If the credit card is overdue for more than three months, the cardholder will be prosecuted, and the credit card will be collected by the bank if it is not returned, resulting in the suspension of the use of the credit card. Credit card is easy to carry, has the characteristics of bank account, has various functions, does not need to transfer money to the bank where the account is opened, can be used for consumption, can choose customers at will, can grasp the initiative of payment, and comes with many value-added services.