The bank will only call the cardholder's family if the cardholder can't be contacted for more than 30 days. If the payment is overdue for 7~ 15 days, the loan bank mainly sends a text message to urge the payment. If the cardholder still fails to repay the loan within 7~ 15 days, the loan bank will start to collect the loan and call to remind him to repay the loan every day. However, this call is usually made directly to the cardholder.