Generally, banks will not expose address books for overdue credit cards. That is, if the credit card is overdue for a long time and has not been repaid for more than 3 months, if the bank does not sue, then The bank may entrust a third party to collect the money. In this case, the address book may be exposed.

Generally speaking, within half a month of an overdue credit card, the bank will usually just send a text message to remind the cardholder to repay on time. If the payment is not repaid after this time, the bank will call the cardholder to remind them. . As long as I can be contacted, I will not call the contact number. If I keep refusing to answer the phone, then it is possible to call the contact number that I left when applying for a credit card, and it will only remind me of repayment.

Consequences of bank overdue payment

1. Penalty interest

Usually when a loan cannot be paid off on the interest payment date, the bank will temporarily list it as a collection payment. And call the borrower within 7 days to remind the borrower to pay. If the payment is made up within 7 days, the bank will not charge any late payment fees. However, if the payment is not made for more than 7 days, the bank will classify the loan as "collection" and "delayed payment", and you will have to pay late payment fees or penalty interest.

2. Add it to the blacklist and record it in the bad credit file

The day after the overdue date, the lender’s name will appear in the bank’s internal system, and the credit report will inevitably Leave a bad record. If you have not paid for more than 3 months, it is very serious. The borrower will have a bad credit record on the Joint Credit Information Center, commonly known as "blacklisted", and may be retained for more than 3 years.

3. Sued by the bank and executed by the court

If sued, the court will take property preservation measures based on the creditor's application, freeze the deposits of the lender and loan guarantor, and seize the property Vehicles and other corresponding property. After the judgment is made, it will be enforced in accordance with the law.