1. Will visitors with overdue credit cards really come?

1. Only when the overdue amount of the credit card is greater than 1 10,000 can you come to the door. Short message and telephone calls with a price of less than 1 0,000 yuan are mainly used, and there are the following situations in door-to-door calls: there is no willingness to repay (the mobile phone number is changed or the phone is turned off after short message and telephone calls, in which case it is very likely to be called to the door); Too much debt; The overdue time is too long (generally overdue for more than 3 months).

If no one answers, the interviewer will call the borrower's home phone first, and then call the borrower's mobile phone to check the home address. At the same time, experienced foreign visitors will visit and investigate around the borrower's residence to find the borrower's neighbors, property neighborhood committees, security guards, etc. Collect relevant information of borrowers. If the borrower has a fixed private mailbox, the foreign interviewer will put the legal notice in an envelope marked "Please don't open it unless it is my own" and put it in the borrower's mailbox.

Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks stipulates that under special circumstances, if it is confirmed that the amount of credit card arrears exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.

Second, what should I do if I really have no money to pay back my credit card?

1. Use the minimum repayment function. Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief.

2. Use the segmentation function. If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide installment functions of 3, 6, 9, 12, 18 and 24. You can choose the number of installments according to your repayment ability, which can relieve the repayment pressure without affecting your credit.

3. Change the bill date to extend the repayment period. The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once.

4. Actively negotiate with the bank to explain the situation. If you really can't get up for a while because of special circumstances such as work, you can take the initiative to call the bank and explain the reason, which proves that it is not malicious and there is a reason. Discuss whether you can delay repayment. Don't ignore the bank just because you changed your phone, so your personal credit will be lost unless you don't deal with the bank in the future.

If you owe your credit card and can't repay it, you can borrow money from your family or friends, because if you apply to the bank for installment repayment or deferred repayment, you need to pay a certain amount of interest and late fees, which will cost you an extra sum of money. And pay back in time, otherwise you will bear criminal responsibility.