If the credit card is overdue, the phone will call the day before the Spring Festival. The collection telephone number is synchronized with the working hours of the collection company, and the collection company is concentrated in "first-and second-tier cities". Generally speaking, according to the national statutory holidays, the Spring Festival holiday lasts only about 7 days. Because it is a labor-intensive industry, you may have to work overtime. The collection work is mainly based on telephone collection, so the collection phone will call the day before the Spring Festival.

In the face of collection calls, you can apply for installment.

Violent collection is illegal, but legal debts are protected by law. If there is really no repayment ability. Take the initiative to contact creditors and let them know their economic situation and willingness to repay. Communicate and negotiate to see if we can reach the willingness to repay by installments. If the repayment is made on schedule every month after the willingness to repay by installments is reached, there will be no more collection calls. If the creditor ignores the installment claim, judicial proceedings will be taken. At this time, there is no need to evade the judicial procedures of the court, and attend the trial normally after receiving the summons and the notice of opening the court. It will be beneficial to the judgment of the case to explain the personal situation clearly in court.