1. Call the cardholder himself to inform him of the penalty interest and late payment fee that will be incurred, and suggest that he pay back in full within the specified time limit, otherwise, in addition to collecting relevant fees, it will be recorded in the credit information system, which will affect the use of credit cards and the issuance of credit lines in the future;

2. Inform the user of the current overdue situation by SMS and email reminder;

3. CCB will suspend the use of the card if there is the possibility of malicious default of 3000 yuan debt or theft of the credit card;

CCB will only consider going to court if it fails to repay the loan in the above three stages and the default time is too long, but it is unlikely because the amount is not large for CCB. However, there will be more and more arrears in the account, because the penalty interest and late payment fee are calculated by daily compound interest. If you receive an indictment of 3000 yuan from the court, call CCB to make up the arrears as soon as possible, and CCB will cancel the application for prosecution. If not, it will be repaid according to the requirements of the court. If there is fraud or malicious behavior, it will face a civil ruling from the court.