First, short message collection. Mainly aimed at the early overdue repayment behavior of cardholders, which is usually 7 to 15 days overdue. SMS mainly plays a reminder function.

second, telephone collection. Mainly for overdue behaviors that are more than 3 days and more than one billing period, make a phone call to remind repayment.

third, collect money at home. Mainly for overdue for more than 9 days, the bank will arrange for the collection personnel to come to the cardholder's residence or work address to call for repayment.

fourth, the court sued. Mainly for overdue for more than half a year, the bank will apply to the court to demand that the cardholder be prosecuted for repayment.

fifth, outsourcing collection. Mainly for overdue for more than one year, the bank will package the overdue funds and discount them to the outsourcing collection company, which will be responsible for the overdue debt collection.

it should be noted that the preferential recovery activities of banks are generally aimed at the penalty interest, and the principal is generally not enjoyed. For example, the method of encouraging repayment by discounting adopted by Minsheng Bank last year is also a disguised collection strategy. It is mainly aimed at cardholders with a large overdue penalty interest for more than one year, and the bank will reduce the penalty interest to some extent to encourage cardholders to repay as soon as possible and ensure the safety of the bank's principal. Short-term overdue cardholders are generally unable to enjoy this policy.

There are various means of dunning, from initial customer service to resorting to law and outsourcing dunning, and the intensity is gradually increased.