Can the credit card collection department of the bank check my phone records?

No, the bank can only check your phone number and residence information through the public security organ, contact you and urge you to repay. If you don't change the money, they will sue and inform the public security bureau that you are suspected of credit card fraud, and the public security organ will send a document to check your phone number, bank, entry and exit, real estate and other information. If you are able to repay the loan or find that you have transferred the assets, you can submit the information to the court for arrest, and then the bank and the public prosecution agency will jointly sue.

Even if the credit card is overdue, it will be frozen, and the card cannot be used after repayment. What's more, overdue repayment is more serious, and personal credit records have a bad record, which will affect the re-application of credit cards or other banking services. But if you don't pay the annual fee, you'd better intercede with the bank to see if this overdue can be eliminated. If not, you can only apply for a loan or a new credit card after five years of overdue records have been eliminated.

Once the credit card is overdue, the bank will do these actions for you:

1. SMS collection: it is mainly aimed at the overdue repayment behavior of early cardholders, usually 7- 15 days overdue. SMS mainly plays the role of reminder. 2. Collection: Call to remind repayment mainly for overdue behaviors with more than 30 days and more than one bill. 3. Door-to-door collection: The bank will arrange the collection personnel to go to the cardholder's residence or work address to collect the repayment, mainly for those overdue for more than 90 days. 4. Court prosecution: If it is overdue for more than half a year, the bank will apply to the court to sue the cardholder for repayment. 5. Outsourcing collection: the bank packages and discounts overdue funds to the outsourcing collection company, which is responsible for overdue debt collection. 3. If it is overdue, how can the cardholder remedy it? 1, you'd better keep using this card. After the expiration, the best way is to continue to use this card and overwrite the original negative record with the new normal repayment record. Generally, a new credit record will be generated after 24 months, so that personal credit will not be affected after refreshing the record. 2. Don't run away, thinking that if nothing is overdue for a long time, the credit card will bear interest and there will be a high late fee. If you run away, the bank will think you overdraw maliciously and call the police. 3. If it is unable to repay, it is necessary to explain it in time. 4. It is best to repay in full and explain that if you forget to repay because of carelessness at ordinary times, you must repay in full as soon as possible after discovering that it is overdue, and it is best to repay in full, because calling the bank after full repayment means that it is not malicious to ask for the elimination of overdue records. The best chance is.