More than three months. If Happy Seconds Loan is overdue for more than three months, it will be regarded as malicious overdue. At this time, no matter how much the overdue amount is, there is the possibility of being sued. There is also a special case where the overdue amount is large. If the overdue amount is large, if it is less than three months, the right to sue can be reserved according to the contract. Therefore, users are advised not to exceed three months overdue. If the user still fails to pay after receiving the SMS or phone call, the service provider will send a reminder letter. Usually, in this case, it is to prepare for future prosecution. Please develop a good repayment habit, repay on time, and avoid being sued after the deadline.