The purpose of the collector is to make you pay off your credit card debt as soon as possible.

But the total amount owed 1000 yuan, you have not paid it back for three consecutive months. Even with the late payment fee and interest, the minimum monthly repayment amount is only about 200 yuan at most. In other words, for three months in a row, you didn't even go to 200 yuan, and your behavior was recognized as "intentional breach of contract" by the bank. Therefore, in terms of collection methods, it is naturally stricter than others.

In addition, if you are overdue for a long time, your bad credit record will be eliminated after paying off all the arrears (including late fees, interest and compound interest) of your credit card in full. In these five years, you can't get a credit card or get a loan.

If the credit card is overdue for a long time, the consequences of not returning it in time can be more than just being called by the bank to collect it. Instead, after the interest rate reached a certain amount, the bank filed a lawsuit with the court for "credit card fraud". As soon as the bank sues, it will issue a court summons to your home or company, and pay off all the credit card arrears (including late fees, interest and compound interest) one day before the court session, so that the sentence and fine will be exempted. If you haven't paid off all the money on the day you arrive at the court, the court will sentence you to fixed-term imprisonment and impose a fine according to your actual remaining credit card debt.

At present, if the malicious overdraft amount of credit card reaches 6,543,800 yuan, it will be prosecuted by the bank for "credit card fraud" and sentenced and fined. However, in some areas, there has been a precedent of being sued by banks when the amount of malicious overdraft reaches 5 thousand.

Therefore, it is more important than anything to pay off all the debts as soon as possible.