Detailed description:
1. Home collection after 9 days overdue: Under normal circumstances, when the overdue amount of a credit card reaches more than 5,, the bank usually waits for 9 days overdue before sending personnel to collect it. This is because banks usually collect debts many times by phone or SMS before they recover debts, and 9 days overdue is often a relatively long period of time, so the probability of customers failing to repay is high, so banks choose to send staff to collect them at home.
2. Differences between regional and bank policies: The specific door-to-door collection time will also be affected by regional and bank policies. There may be differences in legal systems and judicial procedures in different regions, which leads to different ways and times for banks to collect money. In addition, different banks have different policies to deal with overdue debts, and there may be more flexible or severe measures.
3. Other supplementary information: If the question does not provide enough information, we can assume the following situations to supplement the information. Assuming that the credit card holders who are overdue for more than 5, have not communicated with the bank in any way and failed to fulfill their repayment obligations, there may be a case of home collection even after 9 days overdue.
Summary:
Credit cards overdue for more than 5, yuan usually start to be collected at home after 9 days, but the specific time will be affected by regional and banking policies. Providing sufficient contact information and actively communicating with banks can avoid the occurrence of door-to-door collection.
Extended information:
According to the relevant laws and regulations of China, debts with credit cards overdue for more than 18 days may be identified as bad credit records, which will have a long-term adverse impact on personal credit rating. Therefore, it is very important to repay overdue credit card payments in time. If you encounter financial difficulties and can't pay off in one lump sum, it is suggested to negotiate with the bank to make a reasonable repayment plan to pay off the arrears as soon as possible and protect personal credit.