With changes in consumption concepts, the issuance of credit cards is also increasing year by year. Among them, many cardholders have overdue due to one reason or another. So, do you know how long it will take for an overdue credit card to be charged? Let’s talk about this issue together.

How long does it take for an overdue credit card to be collected? Different banks have different implementation standards. However, in order to avoid risks, most banks will remind cardholders before the credit card repayment date through SMS, email and WeChat public account push. Repayment. If the cardholder fails to repay the payment on the due date, the longer the overdue period is, the more direct the bank will use to collect the payment.

1. Collection through text messages and phone calls

When the credit card is overdue for 7-15 days, the bank will collect collection through text messages, customer service calls, etc.;

2. Collection at home

If a credit card is overdue for more than 90 days, the bank will generally arrange for staff to come to collect the debt;

3. Outsourcing collection

If the credit card is overdue for more than 1 year, the bank will Collection work is entrusted to specialized collection companies.

If your credit card is overdue, no matter how you try to evade repayment, it will be in vain. Malicious overdue credit will affect your personal credit, and your future life will be severely affected, such as restrictions on loans, house purchases, and car purchases. Going abroad and finding a job will be affected, and as long as you don't pay off your credit card for a day, the overdue interest on your credit card will pile up.

In short, the longer your credit card is overdue, the greater the harm to you personally, and the more difficult the collection methods you need to face will be. So it’s most important to use a credit card to pay off your debt.