According to the classification mentioned above, overdue loans may be prosecuted for more than 90 days. For bank loans, if they are overdue for 90 days, banks can sue. The loan owed to the bank is a loan contract dispute. No matter how much it is, the bank can sue the court for recovery. If the bank still refuses to perform after the judgment of the court, it may apply to the court for compulsory execution. For micro-loans, loans overdue may face lawsuits for more than half a year, and micro-credit institutions prefer to collect the arrears, so the collection means are even more horrible. Whether it is through mobile phone online lending or borrowing from banking institutions, it is necessary to repay the loan within the agreed time limit. In the case of malicious non-repayment, it may be considered as malicious arrears, and in serious cases, it will be prosecuted. When the court or procuratorate hears such cases, it may treat them as mobile phone loan fraud.

Legal objectivity:

Article 119 of the Civil Procedure Law, a lawsuit must meet the following conditions: (1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.