This depends on your specific situation and cannot be generalized.

If your overdue situation is very serious and the overdue amount exceeds 10,000 yuan, the credit card collectors may indeed go to your hometown, and you may also be sued by the bank to court. This Sometimes it involves credit card fraud.

If your overdue situation is not serious, the overdue time is not long, and the overdue amount is not more than 10,000 yuan, most of the notices you receive at this time are just the words of the collection staff.

1. You need to analyze your overdue situation.

I will now talk to you about the basic issues about credit card overdue. Credit card overdue is a very serious matter. If your credit card is overdue for too long and the overdue amount exceeds 10,000 yuan, this Sometimes it will be directly involved in credit card fraud. If the bank determines that you have maliciously overdue, the bank may sue you to court to recover the debt. At this time, you will be involved in credit card fraud.

2. If the credit card is overdue, the borrower will generally not go to his hometown.

Because credit card collection itself requires a certain amount of labor costs, if the staff goes directly to the borrower's hometown, this is actually a very labor-intensive and financial resource-intensive matter. For most banks, banks will choose to avoid responsibilities, so they will assign some cases to third-party agencies, and let the third-party agencies collect these cases. The collection information you receive is probably the work information of the third-party agency.

3. You don’t need to worry too much, but if you need to repay the loan proactively.

As I said above, bank staff rarely visit the borrower's hometown when a credit card is overdue. Even so, you still need to actively repay the credit card. Overdue credit cards will be reflected in your personal credit report in real time, which will only seriously affect your personal credit. For ordinary users, there is absolutely no need for overdue credit cards to affect future credit problems, otherwise it will be too much of a loss.