Credit card arrears are overdue, and the common collection methods of banks are: (1) Generally, within one week to half a month, there will be SMS collection. (2) overdue for more than one month or a billing date, collection. (3) If it is more than three months, the bank will send relevant personnel to carry out the above collection. (four) more than half a year, the bank shall bring a lawsuit to the court. (5) If it exceeds one year, the bank will outsource the collection and hand it over to the collection company for collection.

Legal objectivity:

Article 196 of the Criminal Law Whoever commits credit card fraud under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft.