Possibly. Although many banks and institutions rarely come to your home, it does not mean that they will not do so. It is still possible to go to the place of residence of the debtor to learn about the situation, including visits accompanied by the village committee. But at the same time, there are regulations for door-to-door evidence collection. For example, collection cannot be collected through violent means. Overdue credit cards will leave a stain on the credit report, and penalties will continue to accumulate with the number of days the user is overdue. But the good news is that users can negotiate a repayment application with the bank, and both parties can discuss a personalized repayment plan together. According to the negotiated repayment situation of various banks, there are many repayments in 12 and 24 installments, and few can be repaid in 60 installments. If the user wants to repay in installments for a longer period, sufficient proof must be provided and required Be more patient and communicate repeatedly during the negotiation process.

Will you come to collect money if your credit card is overdue?

From what we have learned from Lender, overdue credit cards are not subject to door-to-door collection at the outset, and there are two methods of door-to-door collection. Under normal circumstances, if a credit card is overdue, staff will initially arrange for staff to collect the credit card through text messages or phone calls. If the credit card is overdue for more than 90 days and the balance has not been paid off, there may be a door-to-door collection service. First, the bank's collection department staff will collect the money. If many visits to collect money are unsuccessful, the collection business may be outsourced to a third-party collection company, which will then come to the door.

In addition to encountering door-to-door collections, banks will also take these punitive measures against cardholders:

1. After your credit card is overdue, the bank will report your overdue behavior to the central bank for collection. The letter will be marked according to the seriousness of your overdue time. If you are overdue, you will be collected at your door. The circumstances marked on the credit report for this kind of overdue record are slightly more serious.

2. In addition to liquidated damages, overdue penalties will also be charged on a daily basis. The longer the debt is in arrears, the higher the interest will be.

3. If the door-to-door collection fails, the bank will consider prosecuting you in court. If the amount exceeds 50,000, you may be held criminally responsible. If you are able to repay but refuse to repay, the court may put you on the list of defaulters and you will not be able to take the high-speed rail or fly in the future, which may even affect your family.