If your credit card is overdue, the New Year phone call will be made until the day before the Spring Festival. Collection calls are synchronized with the working hours of collection companies, and collection companies are concentrated in "first- and second-tier cities." During the Chinese New Year, there is generally only about 7 days of Spring Festival holiday according to national statutory holidays. Because it is a labor-intensive industry, you may have to work overtime. Collection work is mainly based on telephone collection, so collection calls will be made until the day before the Spring Festival.

You can apply for installments when facing collection calls

Violent collection is illegal, but legitimate debts are protected by law. If you really have no ability to repay. Take the initiative to contact creditors and clearly inform them of your financial situation and willingness to repay. Communicate and negotiate to see if you can reach your willingness to repay in installments. If you reach your willingness to repay in installments and repay the loan in installments every month, there will be no more collection calls. If the creditor ignores the installment request, judicial proceedings will be initiated. There is no need to avoid the court's judicial procedures at this time. After receiving the court's summons and hearing notice, you can participate in the court hearing normally. Telling your personal situation clearly in court will be beneficial to the judgment of the case.