How long will it take for Everbright to inform my family?

If the credit card is overdue for more than one month, I will call home.

After the credit card is overdue, if the credit card is overdue for more than 7 days, the bank will call the cardholder to collect the repayment. Under normal circumstances, only the cardholder will be called. In the case of no results in the collection of repayment, the bank will call his family and relatives, let them tell the cardholder to repay, and even ask for help in repayment.

Four stages of overdue credit cards and their corresponding consequences;

Credit card overdue stage:

1, 1-3 days overdue.

Cardholders who often use credit cards generally hold a large number of credit cards. In the process of continuous credit card reversal, it is easy to fail to repay in time or miss a credit card. Banks generally understand this situation and provide 1-3 days tolerance service.

The cardholder pays off the debt during the service period, and the bank generally does not report it to the central bank's credit information system, which has little impact on personal credit information.

2. 3-30 days overdue.

After the credit card is overdue to this stage, the issuing bank will remind the cardholder to repay by SMS, telephone, etc. And began to collect fines and liquidated damages caused by overdue credit cards.

The dunners in this period are generally bank staff, with good attitude and easy communication, which will not affect their lives. However, it is worth noting that the overdue credit cards during this period have been included in personal credit information, but if all the arrears can be paid off in time, it is possible to eliminate the impact on personal credit information through consultation with banks.

3. 30-60 days overdue.

At this stage, the overdue of credit cards has become more serious, and bank staff began to increase the frequency of collection of cardholders and began to contact their relatives and friends. At this stage, the normal life of cardholders will also be affected, because the influence of overdue credit cards on personal credit information cannot be eliminated, which will bring inconvenience to loan business such as buying a house in the future.

In the meantime, credit card holders should seek the help of family and friends, try to repay the bank or express their willingness to repay, so as to avoid being identified as malicious overdraft by the bank.

4. 60-90 days overdue.

During this period, if the cardholder fails to negotiate with the bank for repayment, the bank will determine that the cardholder has malicious overdraft behavior and entrust a third-party collection agency to carry out compulsory collection on the cardholder.

Cardholders are often harassed by collection agencies, even threatened and verbally threatened. If the cardholder fails to repay or has no intention to repay after three effective bank reminders, the lawyer will issue a lawyer's letter to the cardholder.

5. 90- 120 days overdue.

Under normal circumstances, if the cardholder fails to repay the loan or fails to negotiate with the bank within 25-30 days after the issuing bank sends the lawyer's letter to the cardholder, the cardholder will receive a bank summons, and if the amount owed exceeds 50,000 yuan, the cardholder will bear the corresponding criminal responsibility.

Therefore, in order to avoid this situation, cardholders should actively communicate with banks at this stage, express their willingness to repay, and negotiate to stop paying interest. After successful negotiation, penalty interest and collection will be stopped, bank prosecution will be avoided, the repayment period will be extended, and some banks will also reduce some of the liquidated damages that have already been generated.

Conclusion:

Banks are not charitable organizations, and the way of existence for profit is rigid for cardholders' repayment requirements. In the four stages of overdue credit cards, banks treat cardholders differently at different stages. Cardholders with overdue credit cards must pay great attention to paying off their debts as soon as possible and going ashore as soon as possible.