Will the bank sue for texting?

Legal analysis: bank prosecution will not send text messages. Bank charges will not be notified by SMS or telephone in advance, but bank cards will be notified when they are overdue. Once the credit card is overdue, the bank will generally notify the cardholder by text message or telephone first; If it is still in arrears, the bank will outsource it to a third-party company for collection; In the end, if the collection fails, the bank will choose to sue. It usually takes at least 4 months from the overdue credit card to the formal prosecution of the bank.

Legal basis: Article 119 of the Civil Procedure Law of People's Republic of China (PRC), the prosecution 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.

Article 120 A complaint shall be submitted to the people's court, and copies shall be submitted according to the number of defendants.