If it is only overdue for 3 days, the bank will not take any measures, because at present, all credit cards of prime Bank have a grace period for repayment, and it is not overdue within 3 days.
The bank calls this kind of customer m 1 customer, which means one month overdue.
During this period, the bank will remind you by SMS again, or the account manager who gives you the card will remind you by WeChat or telephone to inform you of the repayment amount and the consequences of overdue.
Banks still pay attention to customers whose late payment fee level is less than m3, focusing on collection. Depending on the overdue amount, they will consider outsourcing to a professional collection company or collecting money at the bank themselves.
At this time, the bank will first freeze the customer's credit card and reduce the amount to zero, and then it may need a joint outsourcing company to collect it at home.
At this stage, it has been considered as a bad customer. On the one hand, the outsourcing company will continue to demand payment (call home), on the other hand, the bank should prepare the litigation materials at the same time, because the customers with late payment level m7 have a low probability of recovering their accounts.
After the bank brings a court action, it will classify the customer as dishonest, and at the same time, it can write off the money, reserve the right of recourse and release the bank's bad funds.
Finally, if the customer refuses to repay the loan, the bank can only continue to pay attention and use legal weapons to safeguard its legitimate rights and interests, which will definitely have some impact on the customer's own work and life.