under normal circumstances, bank credit card collection is handed over to a third-party outsourcing service company for collection, which may be given to several companies, and the system update is delayed, so the outsourcing company will keep calling, so as long as it is confirmed that it has been returned, it will be fine in a few days.

card collection can be divided into two types: internal collection and outsourcing collection. Internal collection usually means that customers who are overdue for less than three months are generally reminded by bank customer service (M period), urged by electricity (M1, 2 period) or visited by all business outlets (M3 period)! Subcontracting collection mainly means that the credit card center entrusts some companies (some of them are law firms) specializing in collection industry to make reminders for some customers who are difficult to handle, have problems, lose contact or have a small amount of money after internal collection fails.