Why didn't you call these days and get no information? What happened? I'm not used to it.

The first case is that your loans overdue amount or overdue overdraft amount of your credit card is relatively small, and the bank has no energy to collect it.

The second situation is that you are not an important customer at all in the bank, especially in the hands of your account manager, and your overdue is very unimportant.

In the third case, your loan may have been transferred to a customer-free manager to manage customers, or it may have been handled internally.

Some customers may become ownerless customers because of the resignation and transfer of the account manager, which means that there is no account manager in charge of your loan business, or it has become a suspense within the bank. However, the handling of the internal suspense account does not mean that you can not repay, nor does it mean that your penalty interest will be reduced. It just means that the bank turned the loan into a dispensable business until the lender came to the door to handle it, or later handed it over to a third-party collection agency for collection, or sued the court for collection.

The business of the bank is not your business, and the customers of the bank are not yours alone. The account manager of every bank has to maintain and handle the business of many customers. According to statistics, by the end of 20 18, the total number of mobile banking users of the five major state-owned banks established diplomatic relations between workers and peasants exceeded 10 billion.

In 20 19, the total number of retail banking customers of a joint-stock bank exceeded 1 100 million, the cumulative number of credit cards issued exceeded 80 million, and the assets under management exceeded 2 trillion yuan. So your situation is not very important in the hands of any account manager. So, you want the bank to remind you that it is unrealistic to urge you to repay.