The bank took the initiative to send text messages to negotiate staging.

It may be true. Check with the bank. If you find that your credit card is overdue, you must return it as soon as possible, otherwise the consequences will be serious. They will definitely ask you to provide some relevant certificates, and you'd better return them as soon as possible. There are five main ways for banks to collect credit cards: one is SMS collection. Mainly for the early cardholder's overdue repayment behavior, which is usually 7- 15 days overdue. SMS mainly plays the role of reminder. Second, telephone collection. Call reminder repayment is mainly aimed at overdue behavior that exceeds 30 days and more than one billing cycle. Third, collect at home. Mainly more than 90 days overdue, the bank will arrange for the collector to call the cardholder's residence or work address to repay. 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. Fifth, outsourcing collection. The bank will package and discount the overdue funds for more than one year to the outsourcing collection company to collect overdue debts.

1. The advantages of negotiated installment payment are as follows: First, stop payment. Collection is a problem that all debtors are unwilling to face and must face. In order to put pressure on the debtor, relatives, friends and even colleagues will be called to knock on the door, which has caused great trouble to the debtor. Second: stop increasing high interest and liquidated damages. After the credit card expires, it will generate high interest and liquidated damages. The annual interest rate is about 20% and the daily interest rate is 5/ 10000, which is a very high interest rate. The fine is 5% of the monthly repayment amount, and a fine of 60% is charged every year. The penalty interest generated by the two is very, very high, which is also the reason for the increasing debt. Third, avoid being sued. If the credit card is not handled in time, it will be sued by the bank, but most of them are civil lawsuits, but the credit card is the only loan related to criminal law. If it is a malicious overdraft, it may also involve criminal responsibility.

2. Under normal circumstances, all banks provide credit card repayment grace and grace service: if the cardholder owes less than 3 days and the amount owed is less than 10 yuan, it will be regarded as timely repayment. Banks also need to remind 3 days before the due date of credit card repayment. In other words, if you call the customer service center of the issuing bank in time to apply for time-saving service and repay it in full within 3 days after the repayment date, you will not be urged. It should be noted that the Convention is not mandatory. It only advocates that banks provide time tolerance service for credit card holders, and there is no mandatory provision. Therefore, each bank's standards of execution tolerance are different. For example, if there is the biggest love line in the universe, there will be no grace period.

3. As the credit granting time of each bank is different, in case of delay, it can be remedied as soon as possible. In order to ensure the arrival time, it is best to use the debit card of the same bank, and try not to repay the money to the third party such as the bank or Alipay. Contact customer service communication, due to objective reasons of XX, non-subjective malicious breach of contract did not repay, and just repaid again. Common reasons: bank problems, inter-bank system settlement problems, bank transfer transaction system problems, banks don't send bills or text messages, network and telecom operators don't collect bills, and sign for automatic repayment without deduction.