Credit cards are generally not collected at home when they are overdue, because the cost of home collection is too high. Banks usually contact me by SMS reminder or telephone customer service for collection. If the amount is not too high and the debt is not much, banks will generally only call for money. If the amount is too high or you can't contact me for a long time, the bank will come to collect it. On the banking platform, many customers will be overdue. Don't avoid debts after the overdue period. You should take the initiative to contact the bank to explain the situation and discuss the installment repayment plan.

First, we should develop good consumption habits.

When using a credit card, although the bank will give a certain amount of credit in advance according to personal credit information, after the credit line of the bank, it is still necessary to spend according to its own income ability, and it is not allowed to overspend or exceed its own ability. Life will be extremely tense when repayment is made in the second month after consumption. Early consumption has the advantage of early consumption, but it will affect the stable development of personal economy. Once the repayment is delayed, it will even affect personal credit information, which is not worth the loss. When using a credit card in daily life, you should decide your card habits according to your usual consumption habits, and you should not consume or buy luxury goods or other items beyond your economic ability in large quantities.

Second, overdue cards should be repaid as soon as possible.

The bank will give credit card users a certain free period. If they fail to repay in time after the repayment date, although it will cause overdue and a small amount of interest, as long as they repay in time, it will not have a negative impact on the credit investigation. Once it takes more than a month or even longer, the bank will upload this bad record to the credit information, which will do great harm to personal credit information. If it is really impossible to repay the loan temporarily due to limited economic capacity, you can apply to the bank for installment and repay it monthly according to your income.

Third, the credit card will not come to the door for dunning when it is overdue.

Under normal circumstances, banks often use the word "door-to-door dunning" to inform customers when dunning overdue customers. The purpose is to make customers panic and pay back the money immediately, but it doesn't mean that they don't have to pay back the money without coming to the door. They should contact the customer service of the bank in time to discuss the repayment.