The bank will only call the cardholder’s family when the cardholder is overdue for more than 30 days and cannot be contacted.

Within 7 to 15 days of overdue time, lending banks mainly collect collections by sending text messages.

If the cardholder still fails to repay the loan within 7 to 15 days, the loan bank will start calling to collect the loan, and will call every day to remind them of repayment. However, this call is usually made directly to the cardholder.