信用卡逾期多久会被人起诉-银行贷款法律援助-法律咨询免费平台-国际律师联盟

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问题	信用卡逾期多久会被人起诉
释义	信用卡不管逾期多久都有可能会被起诉立案。其相关规定为： 1、行为人逾期情节较轻的，一般只需要承担返还欠款的民事责任即可。倘若持卡人信用卡恶意透支数额较大的，在公安机关立案前已偿还全部透支款息，情节显著轻微的，可以依法不追究刑事责任。 2、若透支金额达到5万元以上，并且经发卡银行两次催收后超过三个月仍不归还的，就会构成信用卡诈骗罪，要被起诉以追究刑事责任。恶意透支是指持卡人以非法占有为目的，超过规定限额或者规定期限透支，并且经发卡银行催收后仍不归还的行为。
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