If you receive a dunning call from a bank credit card, you must go and see if you have a loans overdue. Generally, when a credit card is overdue, there will be a collection phone to remind the repayment.

Overdue repayment of credit cards will generate a certain amount of late fees and interest, and your relevant credit information will be recorded in personal credit information and become a part of personal credit information. The longer the overdue time, the greater the harm to personal credit information.

If your credit card is overdue for some reason, you should contact the bank in time to see if you can negotiate repayment. Generally speaking, as long as the following requirements of Guangfa Bank are met, negotiation can be conducted:

(1) The cardholder or the cardholder's close relatives suffer from serious diseases and financial difficulties;

(2) The cardholder is unemployed and has no source of income, fixed job and income for the time being;

(3) The cardholder's business losses and total liabilities are serious.

Now you can also apply online by negotiating with the bank. You can apply through Guangfa's Discovery Wonderful APP, and click My-Settings-Feedback-Service Consultation in the upper left corner to enter the filling page.

If you don't pay your debts, you should call the bank to find out why. After all, there are still many telecom frauds. In order to ensure the safety of your property, you should be vigilant!