010 Collection Phone Call from the bank. You must answer the collection call.

Many friends who have borrowed online loans will force them to go to the bank by not answering the phone after they are overdue, but this method does not work with credit cards. After your credit card is overdue, you must answer the collection call from the bank. If you don't answer the call, the bank will think that your contact information cannot contact you, and it will think that the cardholder has overdue maliciously, so the consequences are more serious.

The consequences of not answering credit card collection calls

1. Harassing family members

Although credit card collection can only be targeted at the cardholder, family members or contacts are not allowed. collection. However, if the cardholder does not answer the collection call and the bank cannot contact the cardholder, the bank will call his family or other emergency contacts, and then everyone will know that you owe money on the credit card.

2. Door-to-door collection

Generally, credit cards that are overdue for more than 30 days may be subject to door-to-door collection. However, if the bank does not accept the collection call at the beginning, the bank will confirm whether the cardholder has lost the money. If you contact us, we will arrange for collection personnel to come to your door to understand the situation, which will advance the time for door-to-door collection.

3. Being sued by the court

The cardholder owes less than 50,000 yuan in principal. If he does not answer the collection call, the overdue time is long, and the amount of debt is large, he will still be sued. The bank sued. However, this kind of lawsuit is a civil lawsuit. Although criminal liability will not be pursued, the court will make you repay the money after the court judgment. If you refuse to fulfill the court judgment and repay the money, you may become a defaulter.