Go ahead, be sure to go. In your situation, it is possible if you owe a large amount, so you should go. If the amount is not large, it may be to scare you into repaying as soon as possible. But whatever you do is wrong. If the amount is large, it may enter the list of untrustworthy people. Therefore, whether it is true or not, you should pay back the money you owe as soon as possible. But whatever you suggest, you'd better go. This depends on many aspects. Many credit card collection companies will put pressure on you in other ways, which is not worthwhile. As for litigation, don't be afraid. I really won't sue you for two or three thousand copies, but I still know as soon as possible that credit cards are uneconomical because of high late fees and heavy interest. Just pay back the money you owe the bank credit card. Third-party collection is usually a private enterprise in which banks cut in line. They specialize in collecting money for major banks and safeguarding their own interests on behalf of banks. Fair dialogue is ok, provided that you are willing to pay back.

It should be noted that it is legal for bank staff to receive this, and they must go, otherwise it will affect your personal credit information, so it is best to communicate and negotiate with the bank and agree to pay it off within a certain period of time. After all, it is your own credit card. If you borrow it, you must return it.

Impact of unpaid credit card:

1. Your bad repayment record will be recorded in the personal credit information system, which will affect your handling of other businesses in the bank, such as loans.

2. Breach of contract will always generate interest and late fees. If the bank thinks that you are in bad faith, it will sue in the name of credit card fraud, which is an economic crime.

You can know that the consequences are serious. It's not worthwhile to just pay back the money this time. If you have something important in the future and need money urgently, but there is something wrong with your credit information, then, at that time, you will be miserable.

1 and 1 day overdue will not affect the credit investigation. The bank will report personal credit information to the People's Bank of China at the end of each month. Although you paid 1 day late, you paid it off that month after all. There is no overdue record in the personal credit information reported by the bank to the People's Bank of China.

2. Cancellation of ICBC card cannot delete your credit record in ICBC. It's not that your bad things will be deleted after two years, but that banks pay more attention to the credit records of the last two years.

3. Failure to pay off the current bill within the due repayment date (including 3 days grace period) is overdue.

4. If the card has been stopped and needs to be restored, please call the customer service phone of the credit card center for consultation.