Credit card repayment is overdue if it exceeds 3 days. Cardholders can complete the repayment within the grace period, and most of them are not overdue. Generally speaking, if they are overdue for more than 3 times, they will have a bad credit record. If the repayment amount is less than the minimum repayment amount stipulated in the bank, it will also be regarded as overdue repayment.

Credit card repayment is overdue for more than a few days

If a bank credit card is overdue, it will be dunned, but the collection measures adopted are different. If it is only one day overdue, the bank will generally make an internal dunning, which is not very drastic. Most banks will send a text message for dunning, whether it is SMS or telephone dunning, which is one of the effective dunning, which proves that the bank has already informed the cardholder and the cardholder must know it. When loans overdue can't afford it, it must take action, first arrange the debt situation reasonably, and minimize the overdue cost and legal risk within its current repayment ability. In addition, take the initiative to report your situation to the bank, indicating that you don't intend to borrow money. In the end, if you don't want to be collected or sued, as long as you have a relatively stable monthly repayment ability, you can effectively solve the debt crisis.