If the credit card is overdue, the bank will take the following measures:

1. overdue: for overdue credit card holders, the bank will have a grace period of 1 to 2 months. During this period, the bank will call and send text messages to remind customers of repayment, and the third month will be officially overdue.

2. Collection: If the customer loses contact after the credit card is overdue, the bank will have a special team to collect it.

3. If the cardholder still fails to repay, the bank will send a lawyer's letter to the customer.

1, unconscious, forgot to repay.

Mainly for the cardholder's early and overdue repayment behavior, usually 7 to 15 days overdue. SMS mainly plays the role of reminder.

2. More than one month

Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle.

3. forget it

Mainly overdue for more than 90 days, the bank will arrange the collection staff to collect the repayment at the cardholder's residence or work address.

4. Lao Lai still doesn't want it.

Mainly more than half a year overdue, the bank will apply to the court to sue the cardholder for repayment.

5. It belongs to the category of packing and leaving people, and it will not be returned after death.

Mainly for overdue 1 year or more, the bank packages and discounts overdue funds to the outsourcing collection company, which is responsible for overdue debt collection.