1. Is it illegal to call your parents if your credit card is overdue?

It is not illegal to call your parents if your credit card is overdue. It depends on the specific circumstances. Generally speaking, overdue credit cards are personal loans, and banks cannot call the card holder’s parents to collect payment. However, if the bank cannot contact the cardholder, it can call the cardholder's parents and ask them to help collect the payment. In this case, it's not illegal.

If a bank interferes with parents’ lives through intimidation and threats to ask them to help repay debts, then this is not compliant. The parties concerned can obtain evidence through telephone recording, report to relevant departments, and safeguard their legitimate rights and interests.

2. What should you do if you call your parents if your credit card is overdue?

If you call your parents if your credit card is overdue, you can only ask your parents to help collect the debt. At this time, in order to avoid disturbing your family, you must pay off the debt in time to avoid more serious consequences. If we are unable to pay off the debt, we should pay off the last part first and then contact the bank to negotiate repayment.

It is worth noting that when calling parents about an overdue credit card, they must record it and avoid using words such as insults and insults during the collection process. In this case, we can use the recording as evidence to report the bank to the China Banking Regulatory Commission. In short, we should pay attention to avoid overdue credit cards. Even if it is overdue, we should proactively contact the bank to negotiate repayment.

3. How long is a credit card overdue?

Generally speaking, a credit card is overdue for 1- It is understood that most banks provide a repayment grace period of about 3 days. It is normal to pay off the balance within the grace period and therefore not go to the central bank's credit inquiry system.

However, some banks do not have a credit card repayment grace period. Once the repayment date is exceeded, the bank will upload overdue records to the central bank’s credit investigation system, which will affect our personal credit. If you want to apply for a car loan or Getting a mortgage was basically out of the question.

In special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions and help you solve your repayment problems so that you can return to your normal life.