After the credit card is overdue, if the credit card is overdue for more than 7 days, the bank will call the cardholder to collect the repayment. Under normal circumstances, only the cardholder will be called. In the case of no results in the collection of repayment, the bank will call his family and relatives, let them tell the cardholder to repay, and even ask for help in repayment.
Four stages of overdue credit cards and their corresponding consequences;
Credit card overdue stage:
1, 1-3 days overdue.
Cardholders who often use credit cards generally hold a large number of credit cards. In the process of continuous credit card reversal, it is easy to fail to repay in time or miss a credit card. Banks generally understand this situation and provide 1-3 days tolerance service.
The cardholder pays off the debt during the service period, and the bank generally does not report it to the central bank's credit information system, which has little impact on personal credit information.
2. 3-30 days overdue.
After the credit card is overdue to this stage, the issuing bank will remind the cardholder to repay by SMS, telephone, etc. And began to collect fines and liquidated damages caused by overdue credit cards.
The dunners in this period are generally bank staff, with good attitude and easy communication, which will not affect their lives. However, it is worth noting that the overdue credit cards during this period have been included in personal credit information, but if all the arrears can be paid off in time, it is possible to eliminate the impact on personal credit information through consultation with banks.
3. 30-60 days overdue.