If a China Construction Bank credit card is overdue, staff will collect it. In serious cases, it will be transferred to a local branch.

If you transfer the debt to a local bank to continue collection, it is recommended to actively deal with the debt. Otherwise, in addition to going to the credit bureau, the most direct impact will be on your personal reputation.

Nowadays, credit card repayments can be negotiated. If the bank comes to collect evidence, you must actively cooperate, indicate your willingness to repay and difficulties, and strive to apply for a longer installment period, so that you will be stressed when you repay later. It will be much smaller.