How long will China Merchants Bank's credit card be issued a subpoena after it is overdue?

One year. Before that, there will be a professional debt collector looking for you. I heard that they are all from the northeast, which is annoying.

A lawyer's letter will be mailed to your billing address.

The consequences are very serious. The central bank will have your bad credit record, and you can't borrow anything related to various banks in the future.

And the money will be paid back sooner or later, otherwise it will be prosecuted. It is better to call customer service and apply for installment repayment. 12 months will be easy to handle.