Legal analysis: After a credit card is owed, if the bank calls the cardholder and fails to repay, the bank will transfer the relevant materials of the debtor to the legal department and collect the payment through legal channels. However, How long it takes to process is determined internally by the bank.

Legal basis: "China Bank Card Industry Self-Discipline Convention"

Article 2 The Bank Card Professional Committee of the China Banking Association (hereinafter referred to as the "Bank Card Committee") is the bank card business self-discipline A professional organization for management, member units of the Bank Card Committee (hereinafter referred to as "member units") participate in self-regulatory management through members' meetings.

Article 3 The purpose of self-discipline in the bank card business is to operate in compliance with laws and regulations, resist unfair competition, prevent business risks, and protect the interests of customers.

Article 4 The basic principles of self-discipline of member units are: scientific development, win-win cooperation, risk prevention, and service optimization.

Article 5 This Convention applies to member units of the Bank Card Committee and their bank card business practitioners.