This is a call back from the collection department of Bank of Communications.

126 is the callback number for M2 that is two months overdue. The number ending in 116 is the callback number for M1 that is one month overdue. Generally, the calls made to you by debt collectors are outbound calls from the system. You can call If you don't come in, after making this call, the collector responsible for your case will see you calling to negotiate repayment, and the collector will call you back.

Overdue deactivation of a credit card means that the cardholder has failed to repay on time for more than three consecutive months, and the issuing bank has the right to unilaterally deactivate the credit card. In this case, even if the credit card is deactivated overdue, there will still be late payment fees on the cardholder's bill, and interest will continue to increase. If the amount reaches the bank's regulations, the bank can sue the cardholder. Cardholders with larger amounts will also be subject to penalties, so after the credit card is deactivated overdue, it is best for the cardholder to pay off the credit card balance in full. At the same time, in order to avoid a credit blacklist, it is best to reactivate this credit card, repay it on schedule, and use the continuous period to offset the original bad credit record. Otherwise, the cardholder will not only be unable to apply for other credit cards, but also will not be able to apply for financial loans such as housing loans. So for your future consideration, be sure to pay off the balance as soon as possible.

Can my credit card be reinstated after it has been deactivated?

Usually the overdue time is within 90 days. As long as the minimum repayment amount is paid, the bank system will automatically resume the use of the credit card. If the credit card is overdue for more than 90 days, the credit card will remain deactivated. If you want to resume normal use of the credit card, you need to pay off all overdue amounts and then call the card issuer to apply for reinstatement. The bank will process it based on the applicant's actual situation. , there is no definite answer to whether a credit card can be restored. Overdue credit cards will have a negative impact on personal credit. Continuous overdue credit cards will have a more serious impact. It is recommended to pay attention to credit card account changes in a timely manner and repay on time.

What should I do if my credit card is overdue and has been deactivated by the bank?

After a credit card is deactivated, the cardholder only needs to pay off all the credit card debt in a timely manner, and then call the bank's credit card customer service center to explain the situation. Under normal circumstances, the bank will lift the restriction. At the same time, in order to avoid a credit blacklist, it is best to reactivate this credit card and repay it on schedule for 24 consecutive terms to offset the original bad credit record. Be careful not to cause overdue payments again. Continuous overdue payments will seriously affect your credit record.