Hello! 028-83325555 is the phone number of a certain department of China Merchants Bank Credit Card Center.

If you have an overdue balance on your China Merchants Bank credit card, the sooner you pay it off, the better for you. First of all, overdue payments will generate a bad credit record, which will affect your personal credit and future credit business, such as loans; secondly, overdue repayments will generate interest and late fees, etc. Credit card collection process:

The first step: text message. If the cardholder fails to repay within 7-15 days of the repayment date, the bank will send a text message reminder;

The second step is to make a phone call. If it is overdue more than once and the current overdue period exceeds 30 days, the bank will call;

Step 3: Door-to-door visits are about to begin. If it is overdue for more than 90 days, the local bank will come to ask for money;

Step 4: What if the time is longer? Then we can only meet in court! Generally speaking, when this step is reached, most old people can't bear it anymore.

Step 5: What if there is still a tough guy who can’t bear it? The bank also has a big trick – find a debt collection agency! That is to say, overdue assets are packaged and sold to collection companies, and these companies often have underworld backgrounds. Just think about it and you will know what methods they will use!

Friendly reminder: Generally speaking, banks may not just ask for debts. If the party concerned does have repayment difficulties, the bank will also make certain concessions.

For example, if you communicate well with the bank, you may be able to get discounted repayment terms. The discount part is mainly penalty interest, not principal. Moreover, such preferential conditions are often only available to long-term overdue users. If it is a short-term overdue payment, this policy basically has nothing to do with you. However, the penalty interest charged by the bank is indeed very severe, especially if there are overpayment of credit cards at the same time, it will be even more serious.