1. Contact the bank or credit card company as soon as possible to show that you are willing to settle this matter through negotiation.
2. Put forward a reasonable repayment plan and provide an acceptable repayment amount and schedule according to your own economic situation.
3. If the bank agrees to negotiate, ensure that the agreement is in writing and pay according to the agreed repayment plan.
If the bank disagrees with your suggestion, you can still insist on communicating with them and seek more flexible solutions.
If no agreement can be reached, it is recommended to consult legal professionals to understand their rights and interests and countermeasures.
Summary: If overdue credit cards meet the requirements of legal procedures, there may be the possibility of door-to-door collection. But through active communication, reasonable repayment plan and consultation with banks, a consensus can be reached and further legal disputes can be avoided.
Extended data:
After the credit card is overdue for a certain period of time, banks often take various means to collect the arrears, including but not limited to telephone collection and door-to-door collection. When dealing with overdue problems, it is the key to communicate with banks or credit card companies in time and try to reach a reasonable solution. The law stipulates the rights and obligations of banks and cardholders. While protecting their own rights and interests, they should also respect legal procedures. Please note that the information provided here is for reference only. Please consult relevant professional organizations or professionals for details.