1. If the cardholder's credit card is overdue for more than one week, the bank will collect the credit card by reducing the credit card limit.

2. If the cardholder is overdue within one month, the bank will use phone calls or text messages to notify the borrower of timely repayment. Otherwise, the credit report will be filed and the user will also face a high amount. penalty interest. During this month, the bank will not take other measures to require users to repay.

3. If the cardholder is overdue for more than one month or even longer, the bank will outsource the collection task to a third-party collection company. Third-party collection companies are not limited to phone calls or text messages. Third-party collection companies will contact the borrower's family or friends, which will have an impact on the borrower's life. 4. If the cardholder is overdue for more than three months, the bank will use legal weapons. The bank will take the cardholder to court for credit card fraud, and the cardholder will face prosecution by the bank.

Legal basis: Article 121 of the "Civil Procedure Law of the People's Republic of China" The complaint should record the following matters:

(1) Name of the plaintiff , gender, age, ethnicity, occupation, work unit, residence, contact information, the name, residence of the legal person or other organization, and the name, position, and contact information of the legal representative or principal person in charge;

(II ) The name, gender, work unit, residence and other information of the defendant, the name, residence and other information of the legal person or other organization;

(3) Litigation claims and the facts and reasons on which they are based;

(4) Evidence and sources of evidence, names and addresses of witnesses.

Article 634 of the "People's Liberation Army and Civil Code of the People's Republic of China" If the buyer who pays in installments fails to pay the due price, the amount reaches one-fifth of the total price. If the due price is not paid within a reasonable period, the seller may request the buyer to pay the full price or terminate the contract. If the seller terminates the contract, it may request the buyer to pay the usage fee of the subject matter. Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due. Article 673: If the borrower fails to use the loan for the agreed purpose, the lender may stop issuing the loan, withdraw the loan in advance or terminate the contract. Article 674 The borrower shall pay interest according to the agreed period. There is no agreement or the agreement is not clear about the period for payment of interest, and it 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 when the loan is returned; if the loan period is more than one year, It shall be paid at the end of each year. If the remaining period is less than one year, it shall be paid when the loan is returned. Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant national regulations.