When will American Express card sue for non payment?

American Express may initiate legal action for non-payment after several attempts to collect the debt, typically after the account has been significantly overdue, often around 180 days. Before suing, they usually send multiple reminders and may involve collections agencies. The exact timeline can vary based on the account terms and the specific circumstances of the debtor. It's advisable to communicate with them to resolve any outstanding payment issues before it escalates to legal action.