Judging from the credit loan in the bank, if the borrower fails to repay in a short period of time, the bank will not formally file a lawsuit, but will only urge the borrower to repay in some relatively simple ways. When the borrower fails to repay the loan for a long time, that is, six months, then the bank will directly file a lawsuit with the court to sue the borrower. Even if the loan amount is not high, but you are suspected of financial fraud, once the prosecution is successful, you can go to jail for several years.