1. There are many companies dealing with overdue credit cards in the market. In fact, they are all deceptive, and cardholders need to be vigilant;

2. These companies basically take advantage of the cardholder's anxiety about being collected and cheat the cardholder's money. It is reported that the bank only accepts the cardholder's own consultation and does not accept the cardholder's entrustment to a third-party intermediary;

3. As a financial institution, banks earn the interest of cardholders mainly by issuing credit cards. If the cardholder's credit card bill is overdue, the bank will collect debts in various ways;

If the cardholder is overdue for too long, he may be sued by the bank. 90% of such so-called "companies or intermediaries that handle overdue credit cards" lie to cardholders;

5. Cardholders should be especially wary of some intermediaries who directly charge XX yuan for consulting fees when they come up. These institutions basically use cardholders' anxiety about being collected to cheat cardholders' money.

Legal basis: Article 674th of the Civil Code of People's Republic of China (PRC).

The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.