Fake. After the credit card is overdue, even the bank usually takes the form of collection or litigation instead of reporting the loss. Even if the court closes the case, it will call the debtor himself in advance, and then send relevant red-headed documents to the debtor, clearly informing the debtor of the processing time and progress of the case, rather than directly telling the debtor to close the case. It is impossible to close the case without the participation of the defendant. Banks that are overdue for a long time and maliciously owe money will take judicial action, hoping to attract attention.