Will ICBC's credit card be sued if it is overdue for 6 months?

The answer to the question of whether to prosecute ICBC's credit card arrears of 9000 yuan for six months overdue is as follows:

According to the domestic credit card arrears, ICBC's credit card arrears are overdue for 6 months, and banks can take legal measures to sue debtors.

First of all, the factors considered by banks in suing debtors include the amount owed and the overdue time. The amount of arrears of 9000 yuan is large, and it is overdue for 6 months, which may increase the possibility of bank prosecution.

Secondly, the core problem that plagues banks is the inability to collect arrears. During the overdue period, the bank can contact the debtor by telephone, text message, letter, etc., but if the repayment cannot be obtained or the repayment agreement cannot be reached, the bank can take legal measures to sue the debtor. The purpose of the bank suing the debtor is to recover the arrears and force repayment through judicial procedures.

In addition, banks may not sue every time they are overdue, because the prosecution involves certain costs and the judicial process may take time and energy. In some cases, the bank may take other measures to solve the overdue problem, such as entrusting the collection company and freezing the debtor's bank account.

In short, when ICBC's credit card debt is overdue for 6 months and the amount owed is large, the bank can consider taking legal measures to sue the debtor. However, it is necessary to comprehensively consider various factors and make decisions according to individual circumstances. For those who are worried about being sued, it is suggested to get in touch with the bank as soon as possible to discuss the repayment method or seek other solutions.

Extended data:

Credit card is a typical consumer credit product. When using a credit card, the cardholder actually borrows money from the issuing bank and needs to repay the consumption amount on schedule. If the cardholder fails to repay the loan on time, the credit card will be in arrears, and the bank will take various measures to collect the arrears, including telephone, text message, letter and other collection methods, and take legal measures to sue the debtor.

Prosecuting debtors is one of the legal means adopted by banks, and its purpose is to recover debts through judicial procedures. The court will accept the bank's application for prosecution in accordance with the law, hold a court session to hear relevant cases and make a judgment according to the facts and legal provisions. If the court decides the debtor to repay the loan, the debtor should fulfill the legal judgment, otherwise it may face more legal consequences, such as being included in the untrustworthy list.

Therefore, in the case of overdue credit cards, debtors should strictly fulfill their repayment obligations. If it cannot be repaid, it is recommended to communicate with the issuing bank in time to seek a reasonable solution to avoid legal risks and credit losses. Banks issue credit cards for the convenience of consumers, but they should also be clear about the rules and responsibilities of using credit cards and do a good job in repayment management. Timely repayment of arrears helps to maintain a good personal credit record and protect personal credit value.