ICBC's credit card has been in arrears of 8,000 yuan for half a year. Will the bank come to collect it? The bank has said that this is the deadline and will collect it tomorrow, really.

Banks basically don't make dunning, usually by phone, and banks will sue if they are overdue for more than 3 months. Industry and commerce overdue for more than 3 months can be collected at home. If the cardholder's arrears do not exceed 10000 yuan or the overdue time does not exceed 3 months, the bank will call and SMS for collection. If the overdue time exceeds 3 months, the bank will notify the cardholder in advance to collect it at home. The collection is still invalid, and the bank will sue the cardholder.

If you don't pay it back in the third month, there will be a credit stain. Then it will affect your future loan and job search. If you don't pay it back in the fourth month, a senior collector will follow up and the bank will send you a lawyer's letter to collect it. After that, the preparation for reporting the case is not ruled out.

There are five main ways for banks to accept credit cards:

First, short message collection. Mainly for the cardholder's early and overdue repayment behavior, usually 7 to 15 days overdue. SMS mainly plays the role of reminder.

Second, telephone collection. Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle.

Third, door-to-door collection. Mainly overdue for more than 90 days, the bank will arrange the collection staff to collect the repayment at the cardholder's residence or work address.

Fourth, the court sued. Mainly more than half a year overdue, the bank will apply to the court to sue the cardholder for repayment.

Fifth, outsourcing collection. Mainly for overdue 1 year or more, the bank packages and discounts overdue funds to the outsourcing collection company, which is responsible for overdue debt collection.

There are various collection methods, from initial customer service to resorting to law and outsourcing collection, and the intensity is gradually increasing. The above collection methods are for reference only, and the bank will decide which method to adopt according to the severity of overdue situation.

If you receive the first collection from the bank, you must find a way to return it as soon as possible, otherwise you will be easily sued, and the resulting illegal record will have a great impact on the future. If you can't pay it off in one lump sum, you can negotiate with the bank for repayment.