Within 30 days overdue:
At this time, SMS notification is the main method, supplemented by robot phone. Banks also know that some customers may forget to pay back for some reasons. Through these reminder messages and robot phone notifications, ordinary customers will repay in time.
Days overdue within 60 days:
If you don't pay back at this time, The bank will know that you haven't forgotten to repay the loan, but you haven't. Then manual collection will begin, and the collection during this time is generally the internal staff of the issuing bank.
Some of them are gentle and some are indifferent. Basically, if you don't pay back the money, your credit will be affected, your card will be blocked, and so on, which will make you turn to relatives and friends for help. Then, hint that you can move out after you go in. I don't think it is necessary to say more about the actual situation.
Few banks will hand over your overdue information to a third party for collection after you are overdue for one month. These third parties will not be so accommodating, and will always use "contacting family members to verify the situation" as a weapon, which will bring psychological pressure to debtors.
Days overdue within 90 days:
When the time is 60 days overdue, you will receive a phone call claiming to be the head of the legal department and risk control department of a bank. At this stage, the collection skills will be much more advanced. If you owe more than 50,000 principal, they will use Article 196 of the Criminal Law to put pressure on you.
I have been trying to verify your information, and I suspect that you have maliciously overdrawn your credit card. Then, you are allowed to handle the minimum amount within a certain period of time, otherwise the bank will hand over your overdue case to law enforcement.
In addition to verbal pressure, they will also help to contact your emergency contact person for collection. In this case, if you haven't lost contact, just call and complain directly. Because according to the relevant regulations, you can only contact your emergency contact if you lose contact.