1. If the user is applying for a credit card or loan from Everbright Bank, he or she will miss the callback call from Everbright Bank, which will affect the credit card or loan application process.

2. If the user has a credit card or loan repayment that is overdue, he will miss the overdue reminder, which will affect his personal credit.

3. If the user's personal credit status is good and he has not handled other business, the call from Everbright Bank customer service may be to invite the user to handle other high-quality business. Failure to answer the call will not have much impact.

1. You must not ignore credit card collection calls

Many friends who have borrowed online loans will force them to go bankrupt by not answering the phone after they are overdue. However, this method is used in That won't work on a credit card. After your credit card is overdue, you must answer the collection call from the bank. If you don't answer the call, the bank will think that your contact information cannot reach you, and it will think that the cardholder has overdue maliciously. The consequences of this are very serious.

2. The consequences of not answering credit card collection calls:

1. Harassment of family members: Although credit card collection can only be targeted at the cardholder, collection on family members or contacts is not allowed. However, if the cardholder does not answer the collection call and the bank cannot contact the cardholder, the bank will call his family or other contacts, and then everyone will know that you owe money on the credit card.

2. Door-to-door collection: Generally, credit cards are overdue for more than 30 days before door-to-door collection. However, if the bank does not receive collection calls from the beginning, the bank will arrange collection personnel to confirm whether the cardholder has lost contact. Going to the door to understand the situation will advance the time for the door-to-door collection.

3. Credit card fraud: Credit cards generally contain real information, and there are three conditions for fraud: the overdraft principal is greater than 50,000, the overdue period exceeds 3 months, and the bank has two effective collections (including phone collections) Including), if all three conditions are met, it will constitute credit card fraud and you will be held criminally responsible.

4. Being sued by the court: The cardholder owes less than RMB 50,000 in principal. If the cardholder does not answer collection calls, is overdue for a long time, and has a large amount of debt, he will still be sued by the bank.

3. Solutions to credit card collection calls:

1. First of all, it is not recommended that you continue to procrastinate. You can find a job and start paying back the money slowly, because if you continue to procrastinate, it will affect your Reputation will later affect your credit score. It will be more difficult to get a loan to buy a house or a car, and many employers will pay more attention to this aspect. If your credit is gone, it will be inconvenient to do anything. If you don't pay back the money you owe on your credit card, there will be late payment fees and a series of fees that need to be borne. In this way, it is better for you to pay off the money as soon as possible. Only by paying off the money can you feel relaxed.

2. Secondly, you can consult the relevant personnel of the bank whether you can repay the debt in installments. In this way, you only need to earn the installment repayment fee every month, which is more reasonable for you. It is also a good choice to complete the repayment by achieving these small goals. After truthfully communicating with the bank about your repayment ability, the bank will extend the repayment period to minimize losses.