Basically, banks will not come to your door to collect debt. They usually make phone calls. The bank will only sue if the debt is overdue for more than 3 months. If the industrial and commercial debt is overdue for more than 3 months, collection may come to your door. If the amount owed by the cardholder does not exceed 10,000 yuan or is overdue for less than 3 months, the bank will make phone calls and text messages to collect the payment. When the overdue period exceeds 3 months, the bank will notify the cardholder in advance to come to collect collection. If collection efforts are still ineffective, the bank will sue the cardholder.

If you haven’t repaid the loan by the third month, your credit will be stained. This will have an impact on your future loans and job search. If you don't pay it back in the fourth month, a senior debt collector will follow up, and the bank will also send you a lawyer's letter to collect the money. Preparations for reporting a crime will not be ruled out in the future.

: Banks mainly use the following five methods for credit card collection:

First, SMS collection. It is mainly aimed at the overdue repayment behavior of early cardholders, which is generally 7 to 15 days overdue. SMS mainly serves as a reminder.

Second, phone collection. Mainly for overdue behavior that exceeds 30 days and lasts for more than one billing period, telephone reminders are provided for repayment.

Third, door-to-door collection. Mainly for overdue payments of more than 90 days, the bank will arrange collection personnel to visit the cardholder's residence or work address to collect repayment.

Fourth, court prosecution. Mainly if the card is overdue for more than six months, the bank will apply to the court and require the cardholder to sue for repayment.

Fifth, outsource collection. Mainly for overdue funds of more than one year, the bank will package the overdue funds and give them at a discount to an outsourced collection company, which will be responsible for collecting overdue debts.

There are various collection methods, from initial customer service to resorting to law and outsourcing collection, and gradually increasing the intensity. The above collection methods are for reference only. Banks will still decide which method to use based on the severity of the overdue situation. Collection method.

If you receive the first debt collection from the bank, you must find a way to pay it back as soon as possible, otherwise you will be easily sued, and the resulting illegal record will have a great impact on the future. If you are unable to pay it off in one lump sum, you can negotiate with the bank for repayment.