Specific instructions are as follows:
1. Debt amount and limit: You owe China Merchants Bank a credit card of 14000 yuan, which is overdue for more than 3 months. According to the credit card contract and relevant laws and regulations, banks have the right to take legal measures to recover the arrears.
2. Collection process: the bank uses collection measures to ask you for repayment, and generally contacts you by telephone, text message, letter, etc. Urge you to pay off the arrears.
3. Lawyer's prosecution: If you owe a large amount of money and don't pay it back for a long time, the bank can entrust a law firm to file a lawsuit. Receiving a phone call from a law firm informing you to sue means that the bank has gone through legal procedures and may take further legal action against you.
Summary:
According to the information provided, if you owe China Merchants Bank credit card14,000 yuan, and you have not paid it back for more than 3 months, you may face the risk of being sued. Banks usually collect debts through collection measures, and lawyers' prosecution is a possible measure when the overdue situation is serious.
Extended data:
1. Overdue repayment of personal credit cards will have a negative impact on personal credit records and credit scores, and may affect personal financial behaviors such as future loans and credit card applications.
2. In the face of overdue debts, it is suggested to contact the bank or relevant institutions in time, and actively seek repayment agreements or seek legal advice to reduce possible legal risks and consequences.
The above answers are for reference only. For details, please consult a professional lawyer or relevant legal institution.