1. What telephone number do you usually use for overdue collection of bank credit cards?

1. Bank credit card overdue telephone collection is generally a legal process, and there will be no harassment. The arrears will only be collected by calling or entrusting a third-party collection agency. The credit card limit will be reduced at the early stage of overdue. Within one month after the deadline, the bank will call or SMS for collection.

2. If the cardholder is overdue for more than one month or even longer, the bank will outsource the dunning task to a third-party dunning company. The collection methods of third-party collection companies may be frequent and diverse, not only limited to telephone calls or text messages, but also may contact the borrower's relatives and friends, which will have an impact on the borrower's life.

2. How long is the bank credit card overdue?

1. After the credit card user is overdue, considering the cost of prosecution and the amount involved by the debtor, the bank will not sue immediately. If the credit card user has answered the bank's collection call, explained the willingness to repay, and voluntarily repaid part of it every month, the bank will not easily sue the overdue user.

2. However, if the cardholder deliberately evades the bank's collection, the bank can't contact anyone, and if the overdue time exceeds 3 months, it may be sued by the bank. If the cardholder fails to repay the minimum repayment amount stipulated by the bank for three consecutive months, the bank has the right to sue the overdue users, which is clearly stipulated by the relevant laws on credit cards.

Third, how to eliminate the overdue records of bank credit cards?

1. Credit card records are recorded in personal credit report, and only the repayment records of cardholders in the last two years can be displayed. Taking advantage of this, credit card users will pay off their debts in time after they are overdue, and then continue to use their credit cards. If the good repayment record lasts for more than 2 years, the bad record will be covered slowly, and the overdue record will not be seen.

2. If the credit card is cancelled immediately after paying off the debt, the overdue bad record must be kept for 5 years. Strictly speaking, because there is no new credit card record, the previous overdue information cannot be covered, but as long as the overdue is not serious, it still has little impact.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.