1. If you receive a short message, email or phone call from the bank after your credit card is overdue.

2. If the credit card is overdue for less than 3 months, but the bank or dunning company keeps calling for collection. In this case, if the bank does not freeze the credit card you use, then you need to take the initiative to contact the bank and show it that you are willing to continue to repay, and if you can pay off the arrears, you will repay in full. If the funds are insufficient or you can't pay off the full amount, you can tell the bank that you can repay the money in installments, and then return the arrears to the bank on time every month.