The consequences of overdue will not only affect the collection, but also be prosecuted if it is serious. If you don't want to be collected or prosecuted by the bank, you should pay attention to the following points:

1. Don't change your contact information frequently.

After the credit card is overdue, it is inevitable that it will be frequently dunned. Many people think that changing their mobile phone number can avoid bank collection. However, frequent change of contact information is one of the important factors in determining malicious overdraft. If the bank can't contact you, the probability of being sued will greatly increase.

2. Pay back each issue even if it is not much.

After the credit card is overdue, you should return it even if it is not much. Every time the bill comes out, you have to pay back some money. Even if you don't pay back much, even only one or two hundred, you can prove your willingness to pay back and reduce the probability of being sued.

3. Take the initiative to negotiate repayment with the bank.

If you can't repay because of your financial ability, you should take the initiative to negotiate with the bank for repayment. Let the bank reduce certain liquidated damages and interest by negotiating repayment, or let the bank stop paying interest. Generally speaking, as long as the following requirements of Guangfa Bank are met, negotiation can be conducted:

(1) The cardholder or the cardholder's close relatives suffer from serious diseases and financial difficulties;

(2) The cardholder is unemployed and has no source of income, fixed job and income for the time being;

(3) The cardholder's business losses and total liabilities are serious.

Now you can also apply online by negotiating with the bank. You can apply through Guangfa's Discovery Wonderful APP, and click My-Settings-Feedback-Service Consultation in the upper left corner to enter the filling page.