After using the bank card, if the due amount is overdue, there will be a special person to collect the situation, but the collector is not a bank employee. General banks will hire outsourcing companies. If the outsourcing company is a local outsourcing company, then the collection personnel are local.

After the deadline, the bank will give a three-day grace period. After the grace period, the cardholder still fails to repay the loan, which will have the following consequences: loss of credit, other credit cards are at risk of reduction and cannot borrow; Charge penalty interest, no longer enjoy interest-free service, and charge penalty interest at 0.5 ‰.