How long will the Bank of Communications be sued for overdue credit cards?

Legal analysis: overdue 120 days or so, will be prosecuted. Within 30 days, the customer service department of the credit card center will call and SMS to remind, within 30 days and 90 days, the collection department will call, SMS and email to remind many times, and the bank will also inform. After more than 90 days, it will be handed over to the legal department. In the early stage, it will usually be returned by lawyer's letter or telephone. Later, the preparation materials will be handed over for investigation, or directly prosecuted, or handed over to a low-level company for home collection. The prosecution usually takes about 120 days.

Legal basis: Article 177 of the Criminal Law of People's Republic of China (PRC) has one of the following circumstances, which hinders the management of credit cards, and shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan:

(1) Holding and transporting a counterfeit credit card knowingly, or holding and transporting a blank credit card knowingly, in a relatively large number;

(2) Illegally holding other people's credit cards, with a relatively large number;

(3) using false identification to defraud credit cards;

(4) Selling, purchasing or providing others with forged credit cards or obtaining credit cards by fraudulent means.

Whoever steals, buys or illegally provides credit card information of others shall be punished in accordance with the provisions of the preceding paragraph. Any employee of a bank or other financial institution who takes advantage of his position to commit the crime mentioned in the second paragraph shall be given a heavier punishment.