At this time, you should find a way to pay off your debts as soon as possible. Otherwise, the longer the overdue period, the more serious the impact. Once overdue for more than 3 months, the bank has the right to sue.

Banks are formal financial institutions, even if they collect money at home, they will check the cardholder's situation according to the process and whether they are really unable to repay. There will be no violence, so there is no need to be nervous.