It’s great to use your credit card to make overdraft purchases, because you’re using bank money to enjoy it in advance, but if you don’t pay it back, you’ll get into all kinds of trouble. Many people do not pay back the money they owe on their credit cards and are subject to bank collection. So under what circumstances will a credit card come to you for collection? What are the conditions for door-to-door collection?

Generally, credit card collection is divided into two types: in-bank collection and outsourced collection. Banks will only remind and collect customers whose credit cards are overdue within 3 months through text messages, customer service calls, etc. If the above If the method is ineffective, the bank will entrust a specialized collection company to handle it. Professional debt collection companies generally use more extreme methods. We recommend that you do not take this step.

The following editor summarizes the conditions for door-to-door collection of credit cards:

1. The credit card holder fails to repay on the repayment date after overdraft consumption;

2. Within 90 days of the credit card being overdue, the bank will use text messages, customer service phone reminders, etc. to collect the debt;

3. If the credit card is overdue for more than 90 days, the bank will start collecting the debt at your doorstep.

4. There is no collection The result will be seen in court;

5. If the court cannot solve the problem, the bank will entrust a professional collection company to come to collect the debt, even threaten it, etc.