My Bank of Communications credit card was maxed out by 28,000, which is two months overdue. Now the minimum payment is 8600. I said I could pay it back at the end of the month, and I did, but the bank had to make a door-to-door dunning. This is a kind of collection speech by the bank's collection staff, and it will not really be collected at home.

Because what you said is to pay off the minimum repayment amount at the end of the month, it means that you are unable to pay off the minimum repayment amount at present, and your minimum repayment amount is relatively high, so the deadline for the collection staff to ask you to pay off the minimum repayment amount is shorter than that of other overdue customers.

If you directly tell the collection staff that you will pay off the minimum repayment amount before 23: 00 tomorrow evening, the collection staff will definitely say: Then if the minimum repayment amount is not clear within the time you mentioned, I will come to the door to collect the money within 2 days.

For overdue customers, the bank's collection staff will first ask for the minimum repayment amount, and after a few months, they will ask for full repayment, and they will ask for full repayment of the arrears (including late fees, interest and compound interest) within 2 days.