When an institution comes to the door, it usually comes to the door after verifying that your specific information is correct. Do you think they are idle? To say the least, what if someone has your electronic photo?

Come to the door, there is nothing to refuse. Just admit the difficulty directly. Wouldn't it be better to take this opportunity to come up with a repayment plan acceptable to both parties?

There is no point in running away. You said credit card. Since it's a bank visit, it's also a compliance visit, and it won't do anything to you. Aren't they afraid to complain?

Hope to adopt.