Within three months of overdue, it is the bank's own internal collection.

Once it exceeds three months, it is subcontracting collection.

They will use public security to scare cardholders into paying back or induce customers to promise relief.

In fact, they have no power.

It is suggested that you must record the collect call.

Banks are now required to provide the name of the third-party collection company.

Sue banks and third parties for collection

Confirm the remaining principal and interest

I hope the opinions about debt consolidation can help you.