1. Overdue times and amount: the bank will decide whether to collect the credit card according to the overdue times and amount. If the overdue times are few and the overdue amount is low, the bank may not take the initiative to collect or stop the collection.
2. Consideration of collection cost: Banks need to consider the cost of collection, especially the arrears that have not been repaid for a long time, which is more difficult to recover. If the recycling cost is high, the bank may no longer take the initiative to collect.
3. Negotiated repayment: If the cardholder negotiates repayment with the bank and reaches a specific repayment plan and repays on time, the bank may suspend the collection.
4. Limitation of action: According to Chinese laws, there is a certain limitation of action for overdue credit card debts. After the limitation period expires, banks cannot recover debts through legal procedures. Therefore, if the overdue time has exceeded the limitation of litigation prescribed by law, the bank can no longer collect the money.
To sum up, the reasons why credit card arrears have not been reminded for 8 years may be the low number and amount of overdue, the consideration of collection cost, negotiated repayment or the limitation of legal proceedings. However, due to the lack of specific information, the above is based on general analysis and speculation.
Extended data:
Overdue credit card means that the cardholder fails to repay the credit card bill according to the agreed repayment date and minimum repayment amount, so that the arrears cannot be repaid in time. Overdue repayment will lead to the accumulation of arrears in credit card accounts, resulting in penalty interest, late fees and other expenses. Banks have the right to take collection measures to recover these debts, such as telephone collection, SMS notification and legal proceedings.
In short, whether the bank will call to collect overdue credit cards after 1 time depends on many factors, including overdue times, amount, collection cost, legal provisions and so on. The reasons mentioned in the above answer may help to understand why credit card arrears have not been reminded for 8 years, but they need to be evaluated according to specific circumstances. For users with credit cards, overdue repayment is an inevitable behavior, and timely repayment is one of the important measures to establish a good credit record.