What will happen if the credit card fails to answer the bank dunning call within the time limit?

Failing to return the credit card within the time limit and refusing to answer the bank's dunning call will have the following consequences. First of all, banks may strengthen other dunning methods, such as sending dunning text messages, emails or letters, or claiming compensation through third-party lawyers or dunning companies. Secondly, banks may report overdue records to personal credit reporting agencies, which will have a negative impact on personal credit reporting records. Finally, banks have the right to take legal measures to recover overdue funds, such as compulsory execution through litigation or court decisions, and may even restrict personal loans and credit card applications.

1. The bank will strengthen the dunning method: the bank will try to contact the debtor through dunning SMS, email, letters and other means to urge the debtor to repay. These reminders may become frequent and firm, increasing the repayment pressure.

2. Reporting of overdue records: Banks have the right to report overdue funds to individual credit reporting agencies, which will have a negative impact on the credit records of overdue personnel. This will lead to a decline in personal credit rating and affect future credit applications and more favorable interest rate conditions.

3. Legal recourse: As creditors, banks have the right to recover overdue funds through legal means. Banks may intervene through lawyers or collection companies and take legal procedures such as litigation, which may eventually lead to the compulsory execution of overdue repayment obligations.

Summary: Failing to return the credit card within the time limit and refusing to answer the bank's dunning call will bring bad consequences. Banks can strengthen other dunning methods, report overdue records to individual credit reporting agencies, and take legal measures to recover arrears. In order to avoid these consequences, it is suggested to communicate with the bank in time to seek repayment methods or deferred repayment solutions.

Extended data:

According to China's relevant laws and regulations, overdue repayment of credit cards is a breach of contract, and banks, as creditors, have the right to take legal measures to safeguard their rights and interests. Personal credit reporting agencies collect and record personal credit information according to the provisions of the Measures for the Administration of Personal Credit Information, and provide it to the outside world through credit reports. These legal systems are isomorphic with the legality of collection behavior and the consequences that overdue people may face.

The above is the answer and explanation of the consequences of the credit card failing to receive the bank dunning call within the time limit. I hope I can help you.