Inform Minsheng Bank of the prosecution process.

Legal analysis: after the credit card is in arrears, the bank will send a reminder message. If the credit card is overdue for more than 3 months, the bank will report the loss after evaluation. After reporting the case, the local public security organ will ask me to explain the situation. If I don't explain, I can summon or transfer it to the court for judicial proceedings by maliciously overdrawing my credit card. The debt should be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court. Debt is a specific right and obligation relationship between the parties according to the contract or the law. Creditors are creditors and debtors are debtors. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or according to law.

Legal basis: People's Republic of China (PRC) Civil Procedure Law.

Article 119 A 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. If it is really difficult to write a complaint, it can be made orally, which will be recorded by the people's court and the other party will be informed.

Article 121 A complaint shall contain the following items:

(1) The name, sex, age, nationality, occupation, work unit, domicile and contact information of the plaintiff, the name and domicile of the legal person or other organization, and the name, position and contact information of the legal representative or principal responsible person;

(2) Information such as the name, gender, work unit and domicile of the defendant, and information such as the name and domicile of the legal person or other organization;

(3) the request and the facts and reasons on which it is based;

(4) Evidence and its sources, names and residences of witnesses.