The credit card is overdue for 7 days, which is not particularly serious, but the cardholder still needs to repay the loan and interest as soon as possible. Banks can use legal collection methods such as text messages and phone calls. For assets that are overdue for 7 days, they belong to the special attention assets in the bank's risk asset grade.

Legal Basis

Article 92 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Commercial banks shall implement classified management of credit card risk assets and set classification standards As follows:

(1) Normal category: The cardholder can repay the amount payable in full before (and including) the due repayment date in accordance with the pre-agreed repayment rules.

(2) Category of concern: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is between 1 and 90 days (inclusive).

(3) Sub-category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 91-120 days (inclusive).

(4) Suspicious category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 121-180 days (inclusive).

(5) Loss category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days exceeds 180 days.