How long does it take to sue Harbin Bank for overdue credit card?

Banks will have the right to sue when a credit card is overdue for more than three months.

In real life, banks will not immediately sue customers as soon as a credit card is overdue for more than three months. In fact, because litigation requires a lot of time and energy, banks will not easily sue customers.

Unless the customer owes a large amount and has received no response from multiple reminders over a long period of time, and the bank cannot contact anyone to repay, then it is estimated that the customer will be sued and legal means will be used to make the customer Pay off your balance as soon as possible.