If your credit card is overdue for more than 10,000 yuan, you will be collected at your doorstep, but this also depends on the efficiency of the collection company that cooperates with the bank. Generally, after the credit card is overdue for three months, the bank will have people come to collect you. If you still refuse to repay, you will be sued in court.

And generally after the credit card is overdue, if the bank cannot contact the cardholder, for example, the cardholder changes his mobile phone contact information or changes his permanent address, then there is a risk of door-to-door collection. Another situation is that if the payment is overdue for more than 90 days, the payment is not repaid for a long time, and the collection calls are simply ignored, the bank will definitely take on-site measures or prosecute the cardholder. Generally, the normal collections are through mobile phone text messages and phone calls, and door-to-door collections are also one of the collections. Collections are carried out by internal bank personnel and outsourced collection companies.

However, under normal circumstances, if a credit card is overdue, staff will initially arrange for collection through text messages or phone calls. If the credit card is overdue for more than 90 days and the balance has not been paid off, staff will come to collect the credit card. First, the bank's collection department staff will collect the money. If the collection fails several times, the collection business may be outsourced to a third-party collection company, which will then come to the door. If your door-to-door collection fails, the bank will sue you in court, and you may be held criminally responsible. If you are able to repay but refuse to repay, the court may put you on the list of defaulters and you will not be able to take the high-speed rail or fly in the future, which may even affect your family.

Finally, no matter whether credit card or online loan collection personnel come to your door, it is a normal collection method, and there is nothing to be afraid of in itself. The essence is that it is equivalent to "a friend owes you 50,000 yuan and he won't pay it back." If you go to his house to understand the situation and ask for a debt, it has the same meaning. We must understand that it is the bank's right to come to collect debts, and we cannot stop it.

： Under what circumstances will debt collection come to your door?

1. No willingness to repay. Often, some cardholders will lose contact by changing their mobile phone numbers after being pressed for payment by text messages or phone calls. In this case, the possibility of being visited is very high.

2. The overdue time is too long. Generally, if the debt is overdue for more than 3 months and has not been paid off, the bank will see that text message collection and phone collection are ineffective, and the next step may be to arrange door-to-door collection.

3. The amount owed is too much. Door-to-door collection also costs money, so if the debt is a few hundred yuan, or less than 5,000, the bank will usually choose to call for collection. Only if the principal of the debt exceeds tens of thousands of yuan, or even exceeds 50,000 yuan, will it refuse to repay. , door-to-door collection is inevitable.