You can sue if it is overdue for 90 days, but it depends on your amount. Ordinary banks are too lazy to sue you because of the high cost. However, you can't let it go. It's overdue. Generally, it is a collection. If you don't pay it back, find the insured or guarantor. If it is not returned, asset preservation is also a lawsuit.

Bank loan collection procedures generally follow the following steps:

(1) Within 90 days after the overdue date, choose SMS or letter for collection.

(2) If the borrower fails to fulfill the repayment obligation for more than 90 days, it shall issue the Notice of Early Repayment to the borrower, and have the right to require the borrower to repay all the loans in advance and pay the penalty interest during the overdue period.

(3) If the repayment period specified in the prepayment notice expires and the repayment obligation is not fulfilled, an agreement is reached with the borrower on the disposal of the collateral.

(4) loans overdue has filed a lawsuit against the borrower who refused to repay the loan for more than 180 days, and disposed of the collateral; The proceeds from the disposal of the mortgaged property shall be used to repay the loan interest, default interest and principal. The same is true of ordinary banks. However, the law does not expressly stipulate that SMS must be collected first. Therefore, this bank is also right. It can only be said that the price paid by the bank to recover the loan is too high. It is estimated that only a psychopath will do so. If the simple method doesn't come, it will make trouble.