Credit card payment has many advantages, even short-term interest-free loans. But banks have the right to collect overdue credit cards. So what are the methods of bank credit card collection?

1. SMS collection: It is mainly aimed at the overdue repayment behavior of early cardholders, which is usually 7 to 15 days overdue. SMS mainly plays the role of reminder.

2. Telephone collection: mainly for overdue behaviors that are more than 30 days and more than one billing cycle, telephone reminders are made for repayment.

3. Door-to-door collection: The bank will arrange the collection personnel to go to the cardholder's residence or work address to collect the repayment, mainly for those overdue for more than 90 days.

4. Court prosecution: If it is overdue for more than half a year, the bank will apply to the court to sue the cardholder for repayment.

5. Outsourcing collection: the bank packages and discounts overdue funds to the outsourcing collection company, which is responsible for overdue debt collection.

The above is the introduction of bank credit card collection methods, hoping to help everyone.