1. The credit record has been cancelled: the credit card has been overdue for 8 years for a long time, and the bank may have cancelled the corresponding credit card account. Once the credit card account is cancelled, the bank will not call for it again, so it is reasonable that no one calls for it.
2. Debt has expired: According to the relevant provisions of the general principles of China's civil law, debt will not have the right to recover after a certain limitation period. According to the Contract Law of the People's Republic of China, the general limitation of action for credit card debts is three years, which means that after three years, banks cannot take legal measures to recover the debts.
3. The bank didn't take active collection measures: the credit card was overdue for 8 years for a long time, and the bank may not take active collection measures for some reasons. This may be caused by internal management problems of banks, personnel changes or failure to recover small overdue debts. In this case, the credit card holder may not be collected by the bank.
To sum up, it may be because the credit record has been cancelled, the debt has expired or the bank has not taken active collection measures. For cardholders, this may mean that they will no longer bear the risk of overdue debts, but cardholders may be affected by bad credit records in many aspects.
Extended information:
Credit card overdue refers to the cardholder's failure to repay the credit card consumption or cash withdrawal at the agreed time, which leads to overdue debts. Overdue debt will have a negative impact on the credit record of cardholders, which may lead to a decline in credit rating and affect subsequent financial behaviors such as loans, renting houses and buying cars. Therefore, cardholders should develop good credit consumption habits and repay credit card arrears on time to maintain a good credit record.
when it comes to overdue credit cards, cardholders should always pay attention to the repayment date while enjoying convenience, and make relevant preparations before the repayment date. In case of overdue, you should communicate with the bank as soon as possible to find a solution to avoid the continuous accumulation of debts. At the same time, for the collection behavior, cardholders need to know their legitimate rights and interests, ensure that the collection behavior is legal and legal, and avoid improper collection.
important note: the above answers are for reference only, and the specific situation needs to be judged according to the cardholder's specific situation and relevant laws and regulations. If your problem is more complicated, please consult relevant professional organizations or lawyers for further consultation and solution.