it's true. After the credit card is overdue, Guangfa Bank will notify the credit card holder to make repayment by reserving the mobile phone number and email address in the bank. If the credit card is overdue seriously, it will send a lawsuit against the borrower and a lawyer's letter. Guangfa Bank was established in September 1988 with a registered capital of 11.48 billion yuan, and its headquarters is at No.713 Dongfeng East Road, Yuexiu District, Guangzhou City, Guangdong Province, China.