It may be due to an error in the banking system.

If your credit card is overdue but you don’t call to tell the cardholder, it may be because the bank system made an error and failed to remind you in time, or it may be that the bank has sent a text message reminder. Under such circumstances, it does not mean that the bank does not want the money. The cardholder must contact the bank proactively, explain the situation, and then repay the money as soon as possible. Because an overdue credit card will not only affect the cardholder's personal credit report, but also generate a large amount of penalty interest and liquidated damages. As time goes by, the cardholder's repayment pressure will increase. Some banks do not have a dedicated collection department, and customer service is usually responsible for this part of the work. Their daily work is very large and complex, and there is no extra free time. Many of the things that need to come to your door are done by customer service, so Many banks rarely call for debt collection.