If the credit card is sued for overdue, it will take at least 3 months. Within three months after the deadline, regardless of the cardholder, the card-holding bank will not sue. However, after three months, the card-holding bank has not paid back the money after repeated collection, which may be suspected of breaking the law and will be prosecuted by the card-holding bank.

1. How long will the overdue credit card be prosecuted?

The general court has no clear provisions, only the time limit for the trial. Generally, it takes three months to complete a simple procedure and six months to repeat an ordinary procedure. This is the result from filing the case to the final implementation. Banks will not sue users easily. After all, it will consume a lot of manpower and material resources. Therefore, it is basically aimed at users who are seriously overdue, owe more money and have not been collected, and will initiate a lawsuit in the people's court where the user is located. After the prosecution, the court has about one week to decide whether to accept it or not.

2. What is the process of being sued for overdue credit cards?

First of all, if the bank refuses to repay after repeated collection, the bank will file a civil lawsuit with the court (the larger amount is criminal responsibility).

Second, the court will take the initiative to investigate the truth after receiving the litigation request from the bank. Once your arrears are confirmed, the local court will ask the bank for your personal information for a long time.

Then third, the bank collates the litigation materials and submits them to the court for approval.

Fourth, after receiving the litigation materials, the court generally examines and approves them within seven days to decide whether to accept them.

Fifth, after a civil judgment, those who have the ability to repay and refuse to repay may constitute the crime of credit card fraud and bear criminal responsibility.

Sixth, the bank will entrust the local people's procuratorate to file a lawsuit in about 4 months, which is the specific process of suing after the credit card is overdue.

The risk of prosecution can be avoided after the deadline, and the interest-free installment can be negotiated twice, which can be divided into 5 years and 60 months at the longest.

3. Will you go to jail if you are sued for overdue credit cards?

When you are charged, you may go to jail. According to the regulations, users who meet the crime of malicious overdraft credit card fraud are sentenced. Malicious overdraft refers to the user's overdue principal of more than 50 thousand, which has the nature of illegal possession and deliberately overdraws the credit card.

To sum up, if it is a summary procedure, the prosecution will take about three months. But if you go through complicated procedures, it will take a long time Credit card overdue is very big for personal influence. First of all, you need to bear the high interest caused by overdue. Secondly, the longer the overdue period, the personal credit record will be flawed, and it will be blacklisted seriously, which will have a great impact on future loans.