At present, there are not many banks that arrange for staff to come to collect money, because they owe 20 thousand. However, the bank will call the borrower by other means, such as calling the borrower's parents and so on.
In addition, banks will have other penalties for overdue, such as collecting overdue penalty interest, reporting bad records to the central bank for credit investigation, and taking judicial procedures.
Extended data:
Precautions:
When the credit card fails to repay due to unemployment, illness and other reasons, the cardholder should take the initiative to contact the bank credit card center before the repayment period, explain the economic situation, declare the non-malicious arrears, and apply for deferred repayment and installment repayment.
When the cardholder voluntarily applies for deferred repayment, the bank will often agree to postpone repayment, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but it must repay on time after applying for an extension.
Credit card repayment information will be rolled in the central bank's credit information system for 24 months, and the overdue credit card repayment record will be kept in the credit information system for two years. If the card is found to be cancelled directly after it is overdue, the information will not scroll, but will be kept for a long time. Therefore, the cardholder should not cancel the credit card immediately after it is overdue. It is best to stick to it for more than 2 years, and then maintain a good credit record.
Baidu Encyclopedia-Industrial Bank Credit Card
People's Daily Online-High-profile collection of overdue credit cards by banks