Credit cards that are overdue for several months will be prosecuted.

A: Generally, if a credit card is overdue for more than 3 months, it may be sued by the bank.

Detailed description:

1. The specific expiration period of credit cards varies according to the bank's policies. Generally, if the credit card bill is not repaid for three consecutive months, the bank may take legal measures.

2. Generally, the bank will send a reminder or call to remind the customer to repay the loan within a period of time after the deadline, and ask the customer to repay the loan as soon as possible.

If the customer continues to delay repayment, the bank may take legal procedures, such as court proceedings, to recover the arrears.

It is worth noting that different banks may have different specific policies to deal with overdue accounts, depending on specific contract terms and local laws and regulations.

Summary:

Generally speaking, customers whose credit cards are overdue for 3 months or more may face the risk of being sued by banks. In order to avoid legal disputes and damage to credit records, customers should negotiate and communicate with banks in time to repay overdue payments as soon as possible.

Extended data:

The handling of overdue credit card debts usually follows the People's Republic of China (PRC) Contract Law, People's Republic of China (PRC) Civil Procedure Law and other relevant laws and regulations. Banks usually seek reconciliation through collection and mediation before suing overdue customers. If the customer still fails to repay the arrears, the bank can bring a lawsuit to the court and ask the customer to fulfill the repayment obligation according to the original contract.

According to the internal regulations of banks, some banks may take legal action within a short time after the deadline, such as 2 months or less. Therefore, in order to ensure their own rights and interests, customers should communicate with the bank immediately after the overdue period, and repay or apply for repayment adjustment as soon as possible to avoid further legal disputes and damage to credit records.

Please note that the above information is for reference only. Please refer to the bank notice and contract agreement for details. If you have any questions about the overdue credit card, I suggest you consult a professional lawyer or the relevant bank.