1. Bank customer collection: In the early stages of credit card overdue, bank collection is mainly based on SMS reminders. When it is overdue for half a month, user customer service will call the cardholder to remind you to repay.

2. Collection by the bank collection department: If the debt is overdue for more than one month, the debt will be transferred to the bank's internal collection staff for collection with a tougher attitude than the bank's customer service. If the cardholder refuses to answer the phone, the debt collection will also call Emergency contact person for assistance with repayment.

3. Collection by a collection company: When the debt is overdue for a long time, or faced with bad debt customers, the bank will directly package the debt to a third-party collection company. In order to recover the debt, these collection companies use relatively bad methods. In addition to being bombarded with phone calls, you may also come to collect debts.

4. Report personal credit report: As long as the credit card is overdue for one day, corresponding interest will accrue. At the same time, the bank will leave a stain on the personal credit report, which will affect subsequent enjoyment of other financial services.

5. Legal procedure: If the loan is overdue for more than three months and the bank still fails to repay it after two collections, the bank can directly sue the court. Cardholders may face civil and criminal penalties depending on the overdue amount.

After understanding the collection process after the credit card is overdue, I also remind everyone not to be overdue and repay on time. Even if it is really overdue, you must deal with it as soon as possible and negotiate with the bank to suspend interest and repay in installments, and repay within your ability. , reduce debt pressure!