The use of credit cards is relatively common, and there are also many overdue payments. Many people do not know the seriousness of overdue payments. They may choose to avoid it directly because they are worried about being collected, but the consequences of avoiding it will be What's worse, you may come to your door to collect money, or you may be sued. So is it true that you received a text message notifying you of an overseas visit when your credit card is overdue?

1. Is it true that you received a text message notifying you of an overseas visit when your credit card was overdue? It may be true if you received a text message notifying you of an overseas visit, but you don’t have to worry too much even if you are being called for collection. If there is violent collection, you can call the police. Protect yourself. Under normal circumstances, banks will not choose to come directly to collect money. They will first send text messages and make phone calls to collect money. As long as it is effective or the negotiation is successful, the bank will not come to your door. But if the cardholder never responds to collection or treats it negatively, they will come to collect collection. But don’t worry even if you come to your door. You can prepare monitoring and recording equipment in advance. As long as there is violent collection, you can protect yourself through legal means by providing relevant evidence.

2. What are the consequences of overdue credit card collection: Overdue credit cards will be subject to collection, not only text message collection and phone collection, but also door-to-door collection and prosecution. These are all means of collection, and will It puts huge psychological pressure on cardholders. The financial pressure will increase: after the credit card expires, not only the principal will be owed, but the previous interest-free period will be useless. Interest will be calculated from the date of swiping the card, and there will also be liquidated damages, which will be much more than the principal. Personal credit will become worse: after the credit card is overdue, it will be recorded in the personal credit. This is a stain on the credit. It will be very difficult to borrow money later, and it will be automatically deleted after 5 years of repayment.

3. How to deal with overdue credit cards 1. Express your willingness to repay: Even if you cannot repay in time for the time being, you must express your strong willingness to repay and pay back as much as possible. This can effectively avoid being repaid. Collection and prosecution. 2. Keep the call normal: When collecting debts, you must face it positively to avoid disconnection and effectively avoid more serious consequences. 3. Active negotiation: Contact the bank proactively to negotiate a way to postpone repayment. As long as the plan is reasonable and feasible, the bank may agree. In this case, you can repay according to the new repayment method as long as you sign a contract. The above is about "Is it true that you received a text message notifying you of an overseas visit when your credit card was overdue?" It may be true, but regardless of whether it is true or not, you must proactively face the collection.