1. SMS collection: Mainly aimed at early cardholders’ overdue repayment behavior, which is generally 7 to 15 days overdue. SMS mainly serves as a reminder.

2. Telephone collection: Mainly for overdue behavior that exceeds 30 days and exceeds one billing period, telephone reminders are made for repayment.

3. Door-to-door collection: Mainly for overdue payments of more than 90 days, the bank will arrange collection personnel to visit the cardholder’s residence or work address to collect repayment.

4. Court prosecution: Mainly for cases that are overdue for more than six months, the bank will apply to the court and require the cardholder to sue for repayment.

5. Outsourced collection: Mainly for overdue funds of more than one year, the bank will package the overdue funds and give them at a discount to an outsourced collection company, which will be responsible for collecting overdue debts.