Credit cards are generally overdue and will not be accepted at home. However, if the cardholder's credit card bill is overdue for more than 3 months, in order to recover the arrears, the bank will arrange collection personnel and a third-party notary office to collect it with the consent of the cardholder. If the door-to-door collection is still fruitless, the bank can choose to directly sue the cardholder. Once the cardholder is prosecuted, he may be classified as a faithless person.

Conditions for overdue door-to-door collection of credit cards: In general, when the bill of credit card is overdue for more than 3 months, the bank can choose door-to-door collection after two effective collections by the bank. Process of door-to-door collection: the collection personnel and the third-party notary will obtain the consent of the cardholder in advance, and then carry out door-to-door collection. If the collection is still fruitless, the bank can choose to sue the cardholder. Consequences of the cardholder being sued: once the cardholder is sued by the bank, the cardholder may be listed as the person who has lost his trust. This means that their consumption and travel may be restricted, and they may even face further risks such as asset freezing. Please note that the above information is only general and does not apply to all situations. If your credit card bill is overdue, it is recommended to contact the bank as soon as possible to find a solution.