After all, the collection cost of credit cards is relatively high.

However, if the overdue amount is relatively large and the overdue time is relatively long, it is very likely to come to the door for collection. As for the specific collection time, it needs to be determined according to the actual situation of users. Generally speaking, users have a good attitude and a certain willingness to repay when collecting money by telephone, and banks will not collect money.

However, if the user has a bad attitude and evades dunning, and the overdue amount is large, the bank can make dunning. The specific dunning time needs to be determined according to the actual situation of the bank, and there is no accurate deadline.