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On the third day after the credit card expired, someone called, showing the bank's dunning phone. Is it Cui Shou?
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After the credit card is overdue, the bank will call to remind you to repay it.

If it is the first overdue, you can discuss with customer service to change the repayment date and billing date of the credit card. If you are able, you can pay back the money. Don't delay. The longer overdue, the worse for you.