Legal analysis: When a credit card is overdue, the bank will first notify you of repayment. If you fail to repay after three notifications, the bank will sue you. The details are as follows:

Overdue for more than three months or If you fail to repay after two reminders from the bank, the bank will freeze your card and list you as a banned customer (blacklist). It will also sue you for credit card fraud and malicious overdraft, and the court will enforce it.

Legal basis: "Several Provisions of the Supreme People's Court on the Publication of List Information of Dishonest Persons Subject to Execution" Article 1 If the person subject to execution fails to perform the obligations specified in the effective legal document and has one of the following circumstances, the people's court shall The court should include them in the list of dishonest persons subject to execution and impose credit penalties on them in accordance with the law:

1. Those who have the ability to perform but refuse to perform the obligations specified in effective legal documents;

2. Obstructing or resisting execution by forging evidence, violence, threats, etc.;

3. Avoiding execution by false litigation, false arbitration, or by concealing or transferring property;

4. Violating the property reporting system;

5. Violating the consumption restriction order;

6. Refusing to perform the settlement agreement without justifiable reasons.