Any collection and prosecution of credit cards has costs. If the overdue amount of your credit card is relatively small, neither collection nor prosecution is worthwhile in terms of cost. Therefore, banks will generally collect or even prosecute overdue debts with a relatively large amount, while some small credit cards do not have so much energy and are not worth spending too much manpower, material resources and financial resources to collect and prosecute.

Therefore, it is normal that your credit card is overdue and you have not received too many bank collections and prosecutions.