After the credit card is overdue, under normal circumstances, the bank will give priority to contacting me. As long as the cardholder can contact him personally, whether by email, telephone or other means, the bank will generally not contact his family or the relevant department where the account is located. It is suggested that after the credit card expires, do not deliberately change the phone number or address to avoid bank collection. Otherwise, not only the relevant people around you will be implicated, but more importantly, if you deliberately evade bank collection, you may be considered as a malicious overdraft of credit cards and commit the crime of credit card fraud. Once it is recognized as the crime of credit card fraud, it will bear criminal responsibility.