2. The consequences are as follows:

3. If the credit card is overdue for more than half a year, it will be prosecuted.

4. There are five main ways for banks to collect credit cards:

5. SMS collection. Mainly aimed at the early overdue repayment behavior of cardholders, which is usually 7 to 15 days overdue. SMS mainly plays a reminder function.

6. Call for collection. Mainly for overdue behaviors that are more than 3 days and more than one billing period, make a phone call to remind repayment.

7, door-to-door collection. Mainly for overdue for more than 9 days, the bank will arrange for the collection personnel to come to the cardholder's residence or work address to call for repayment.

8. court prosecution. Mainly for overdue for more than half a year, the bank will apply to the court to demand that the cardholder be prosecuted for repayment.

9. Outsourcing collection. Mainly for overdue for more than one year, the bank will package the overdue funds and discount them to the outsourcing collection company, which will be responsible for the overdue debt collection.