1. You mentioned that it has been several years since you applied for the card. The card must be frozen, but you can provide the ID number through the customer service phone to check the amount owed, and it is best to pay it off immediately.

2, the general order is arrears-dunning-sending a lawyer's letter-prosecution.

3. Banks are always like this. They won't tell you how many dollars you owe until you owe tens of thousands of annual fees.

4. Generally, the bank will be notified, and it may be notified by email, SMS, MMS, registered mail, etc.

After your situation is paid off, the bad records in your credit record will be eliminated after 5 years, and it is difficult to get loans during this period.

If you don't understand, you can ask me or ask for help. If you are satisfied, please adopt it.