Generally, when the cardholder is seriously overdue and the amount owed is high, the risk control personnel will call the cardholder to urge repayment.

And not once, but many times If you still don't pay it back, it's not a matter of risk control, and the rest will be handed over to some local debt collection companies. If it's still not finished, then it's left to send a lawyer's letter to the cardholder.