It’s true. According to the official website of the China Banking and Insurance Regulatory Commission, if the debtor fails to repay when due as agreed, negotiation will first be carried out. If negotiation fails or the repayment cannot be made for a long time, the bank will notify the debtor to file a lawsuit in accordance with the contract. According to the application situation, if the credit card is overdue for one and a half years and the credit card is collected, it is true that the mobile phone number must be added to WeChat to say that the head office will file a lawsuit. Credit card, also called debit card, is a non-cash transaction payment method. It is a simple credit service issued by banks to individuals and organizations. With this, they can shop and consume with special organizations and deposit and withdraw cash from banks in the form of a The name of the issuing bank, validity period, number, cardholder name, etc. are printed on the front of the card, and there is a magnetic strip and signature strip on the back. Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with the credit card, and repayment will be made on the bill date.