Shanghai Tianmu Law Firm is entrusted by China Merchants Credit Card.

Hello, if your credit card is indeed overdue, then the authenticity of the lawyer's letter is very high. When the cardholder owes money, the bank will usually remind you through text messages, call for collection, and send the lawyer. Reminders can be made through letters and other means.

Under normal circumstances, banks adopt the principle of "three in a row leads to six" to deal with the problem of overdue credit cards. If the person is overdue for three consecutive months or six months in total, the bank will carefully consider this person's loan. Applying for a loan is generally not easy.