No matter which bank your credit card belongs to, as long as it is overdue, the bank will take certain measures to pursue the debt, especially Shanghai Pudong Development Bank. We all know that late payments on a credit card or loan have a negative impact on an individual's credit history and credit score, and may lead to more serious consequences if not handled properly. So are the consequences of an overdue Shanghai Pudong Development Bank credit card serious? Will we be called to collect money? Today I will introduce these two issues to you!

First of all, overdue credit card payments will lead to the accumulation of various fees such as interest, penalty interest, and late payment fees. These additional fees may further increase your burden. At the same time, Shanghai Pudong Development Bank may also send you text messages, phone calls, or emails as collection reminders after the due date to encourage you to pay off the debt as soon as possible. If you fail to pay off your balance for a long time, Shanghai Pudong Development Bank may freeze your credit card account and prohibit you from using the credit card again.

Secondly, if your repayment is overdue for more than 90 days, Shanghai Pudong Development Bank will submit your personal information to the central bank’s credit reporting system, which will affect your personal credit record and credit score. This will have a negative impact on your future credit loans and other aspects. In addition, Shanghai Pudong Development Bank also has the right to use some legal means to force you to repay the debt within the scope permitted by law, such as publicizing your personal information and taking litigation to collect debts.

Finally, just like other banks, Shanghai Pudong Development Bank may also send professional debt collectors to your door to collect debts. These debt collectors usually take various measures within the scope permitted by law, including phone calls, text messages, emails, etc. to communicate and collect debt, but they will not use any illegal or violent means to collect debt.

In short, overdue credit card payments will have a negative impact on everyone's credit history and credit score, and may lead to more serious consequences. Therefore, when holding a credit card, you should fully understand the relevant policies and regulations of the bank, properly manage your credit card account, and avoid late repayments. If you do encounter repayment difficulties, you can contact Shanghai Pudong Development Bank in time and formulate a repayment plan as soon as possible to reduce your burden and reduce adverse effects.