When overdue payments begin, the bank will call or text to recover the payment. After a period of time, it is usually handed over to a third-party collection agency. The main methods include phone bombing, sending lawyers' letters, door-to-door sales, or notifying communities, neighborhood committees and businesses. The fundamental way to solve debt is to have a certain amount of income.

1. Overdue within three months. At this time, it is usually a phone reminder, a repayment text message notification, etc. Of course, the bank will also call emergency contacts if a customer loses contact. However, when the third month is generally overdue, collections will gradually increase. Some people want to negotiate amortization, but the bank won't allow it. The debtor will be informed in detail of a series of consequences, such as dishonesty of the executor, influence on children, etc. It is mainly aimed at the overdue repayment behavior of prepaid card holders, usually 7-15 days. SMS mainly serves as a reminder. Second, phone collection. Mainly for behaviors that are overdue for more than 30 days and exceed one billing period, telephone reminders will be issued for refunds.

2. It is overdue for more than three months. When the due date exceeds three months and the minimum repayment invoice has been repaid in full, there will be a person related to the "wealth management company", that is, a third-party collector. Third, door-to-door collection. If the payment is overdue for more than 90 days, the bank will arrange for the collection staff to call the cardholder's residence or work address for repayment. Fourth, prosecute. Mainly if the card is overdue for more than 6 months, the bank will sue the cardholder in court for a refund. Fifth, intensification. Banks will package payments that are overdue for more than one year and discount them to subcontracted collection companies to recover overdue amounts. Collection methods vary from initial customer service to recourse to justice and outsourced collection, and gradually become more severe. The above collection methods are for reference only. The bank will still decide which collection method to use based on the severity of the overdue situation.

1) After your credit card is overdue, you should proactively contact the bank to explain the reason for the overdue date, clarify the current economic situation, and then negotiate with the bank to stop interest and installment payments to seek interest-free opportunities. Stop collecting and avoid prosecution. What's more, stop the crazy increase in arrears interest and sign a personalized repayment agreement that can be repaid in 60 installments up to 5 years.

2) Comprehensive suggestions: To apply for interest-free, the following conditions must be met: the cardholder is overdue, is temporarily unable to pay off the balance in one go, and after successful remittance, has the ability to repay before being sued by the bank; These conditions are essential.