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My credit card is overdue and I always go to my home to find my parents.
It is illegal to go to your parents' home with a credit card for overdue collection. If the other party just calls for a collection, then you can also consider complaining to the relevant departments. If the other party keeps calling to harass your family, it is a violent collection. About "Is it legal to go to your parents for overdue collection with a credit card?" The following is Bian Xiao's detailed answer.

1. Is it legal to go to your parents for overdue collection by credit card?

1. It is illegal to visit your parents because your credit card is overdue.

2. If the other party keeps calling to harass the family, it is a violent reminder and you can call the police. However, if the other party only calls for collection, they can also consider complaining to relevant departments, such as China Internet Finance Association and China Banking Regulatory Commission, which may be more appropriate than calling the police.

2. What should I do if my credit card is overdue?

1. If the credit card is overdue. But we didn't get a phone call from the bank, only a short message from the bank or an email about the deposit. At this time, I need to call the bank to explain the reason at the first time, and what I need to do is to return the money to the bank in time. Only in this way will there be no bad records in the credit investigation.

2. In another case, the overdue time is less than 3 months, and during this period, I have been receiving various collection calls from banks or collection companies. But the credit card used has not been frozen. What needs to be done at this time is to contact the bank actively. Express the willingness to repay in communication. Repay in full if you can repay in full. If not, arrange repayment in installments with the bank and pay back the money owed to the bank on time every month.

3. In addition, from the overdue time and more than three months, the bank card is also frozen at this time. Interest will be generated at this time. Never take the initiative to change the number. We need to call the bank at the first time to explain something. It mainly shows that he didn't breach the contract maliciously, but what caused the overdue. At the same time, it is necessary to agree with the bank on the length and amount of repayment, and it is best to repay in time within the range that you can bear.

Remind you: The above is about "Is it legal to visit your parents with a credit card overdue?" If you use your credit card overdue, you haven't received a phone call or deposit email from the bank. You need to call the bank to explain and return the money to the bank in time. There will be no bad record in credit investigation. If you have similar questions, I suggest you click the consultation button and contact a professional team, and a professional will solve them.