Generally, it is 7 to 15 days overdue, and the bank will think that it was accidentally forgotten. Generally, the main reminder function is to send text messages. Telephone collection is mainly aimed at overdue behaviors that are more than 3 days and more than one billing period. If you send a text message, the bank will call to remind you of repayment.

door-to-door collection is mainly aimed at overdue for more than 9 days, and the bank will arrange for the collection personnel to come to the cardholder's residence or work address to call for repayment. If the credit card is overdue for more than half a year, the bank will apply to the court to demand that the cardholder be prosecuted for repayment. If the repayment is overdue for more than one year, the bank will package the overdue funds, discount them to the outsourcing collection company, and teach the person in charge to collect the overdue debts.

Credit card overdue time:

If it exceeds one month, I will call my family. After the credit card is overdue, if the credit card is overdue for more than 7 days, the bank will call the cardholder to collect the cardholder's repayment. Under normal circumstances, only the cardholder will be called. In the case of no result in the collection of repayment, the bank will call his family and relatives, let them tell the cardholder to repay, and even ask for help in repayment.

because the credit card is overdue regardless of the number of days, as long as you are overdue, it may affect your personal credit information, which will affect your credit information. What will happen if the credit information is affected? First of all, the credit record cannot be eliminated within five years, which will affect the cardholder's application for loans, car loans, mortgages and other loans.

Therefore, the cardholder must repay the credit card within the grace period of the final repayment to avoid overdue. If you really can't repay it, you can choose to apply for installment repayment, or only pay the minimum repayment amount to avoid credit reporting.