Generally, it is 7 to 15 days overdue, and the bank will think that you have forgotten it by accident. Generally, it will use SMS as the main reminder function. \xd\ Telephone collection is mainly aimed at overdue behaviors that are more than 3 days and more than one billing period. SMS will be ignored, and the bank will call to remind you to repay. \xd\ Door-to-door collection is mainly aimed at overdue for more than 9 days, and the bank will arrange the collection personnel to come to the cardholder's residence or work address to urge repayment. \xd\ If the credit card is overdue for more than half a year, the bank will apply to the court for suing the cardholder for repayment. \xd\ If the repayment is overdue for more than one year, the bank will package the overdue funds, give them to the outsourcing collection company at a discount, and teach the person in charge to collect the overdue debts.