General banks will not come directly to you after your credit card is overdue. After all, the cost of collecting credit cards is relatively high. However, if the overdue amount is relatively large and the overdue time is relatively long, it is very likely that collection will come to your door. As for the specific time for collection, it needs to be determined based on the actual situation of the user. Generally speaking, if the user has a good attitude when collecting debts over the phone and has a certain willingness to repay, the bank will not come to collect debts. However, if the user has a bad attitude, avoids collection, etc., and if the overdue amount is large, the bank can come to collect payment. The specific collection time needs to be determined according to the actual situation of the bank, and there is no precise time limit.

Generally speaking, as long as the user does not repay the loan, the bank will not completely stop collection. If the user does not receive a collection from the bank, it may be because the bank cannot contact him at all. This kind of deliberate avoidance of bank collection will only lead to more and more serious consequences of your overdue payment, and eventually reach an irreversible point.

In addition, there is a high possibility that the bank will sue you. If you are sued for overdue repayment, if the amount exceeds 50,000 yuan, you are likely to be convicted.

In addition, all users need to be reminded that evading bank collection is a bad behavior and is likely to be found to be credit card fraud, which will eventually lead to oneself going to jail. Therefore, once users make overdue repayments, they must find ways to deal with the overdue repayments to avoid going to jail in the future. In addition, jail time will not solve his repayment problem, and the debt still needs to be paid back.

Consequences of overdue credit cards:

High penalty interest and liquidated damages will occur. Credit cards will not charge interest as long as they are repaid before the repayment date. If you use a credit card to withdraw cash, large purchases If it is overdue, not only interest will accrue, but there will also be penalty interest and liquidated damages. The penalty interest is 50,000 per day. If you default for a long time, the following accumulated penalty interest and liquidated damages will be huge.

It affects your own credit report. Credit card is a business launched by banks. If it is overdue, your credit report will be reported. Generally speaking, as long as it is overdue more than 6 times or one time is overdue for more than three months, it is considered an overdue credit report. Serious users who are overdue for a long time will be included in the credit blacklist. Later, they will be restricted from flying, high-speed rail, and applying for loans at banks.

Being sued by the bank for credit card arrears will eventually be sued by the bank. The overdue amount is too large, and if you refuse to repay after repeated collections and you are able to repay, you may be suspected of malicious cashing out. In the end, The consequence is jail time.