Credit card loans need to be repaid. If the party fails to repay the loan within the time limit, the bank may bring a civil lawsuit to the people's court and demand the party to repay the loan. If losses are caused to the bank, the bank may also be required to bear the corresponding liability for compensation. According to the provisions of China's Civil Procedure Law, 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.