2. After the credit card is overdue, the general bank will not directly collect it. After all, door-to-door collection costs are high. However, if the overdue amount is large and the overdue time is long, then the bank will also visit Cui. As for the specific door-to-door collection time, it needs to be determined according to the actual situation of users. The average user has a good attitude and a certain willingness to repay, and the bank will not collect it, but if the user has a bad attitude, avoid collecting calls. Then, in the case of a large overdue amount, the bank may come to make a dunning. The specific door-to-door time needs to be determined according to the actual situation of the bank, and there is no accurate deadline.