Legal analysis: if the credit card is overdue for more than 30 days and exceeds one billing cycle, the bank will collect it. The relevant information is as follows:

There are five main ways for banks to accept credit cards:

First, short message collection. Mainly for the cardholder's early and overdue repayment behavior, usually 7 to 15 days overdue. SMS mainly plays the role of reminder.

Second, telephone collection. Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle.

Third, door-to-door collection. Mainly overdue for more than 90 days, the bank will arrange the collection staff to collect the repayment at the cardholder's residence or work address.

Fourth, the court sued. Mainly more than half a year overdue, the bank will apply to the court to sue the cardholder for repayment.

Fifth, outsourcing collection. Mainly for overdue 1 year or more, the bank packages and discounts overdue funds to the outsourcing collection company, which is responsible for overdue debt collection.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) stipulates that malicious overdraft constitutes the crime of credit card fraud, which is punishable by fixed-term imprisonment of not more than five years, criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan.