How often do you call home when your credit card is overdue?

If the overdue time reaches 30 days or more than one billing cycle, and the previous collection is fruitless, and the cardholder cannot be contacted due to refusal to pay, the bank will generally arrange to contact the cardholder's family by phone, ask the family for the cardholder's new contact information, or ask the family to inform him of repayment.

After credit card or loans overdue, the bank may not make a collection call in the early stage, but within 7- 15 days of overdue, it will generally send a text message to remind you. Even if it is a telephone collection, you should contact the cardholder first, instead of calling the cardholder's family directly.

First, the treatment method

1, actively remedy during the "tolerance period". Most banks will have a "tolerance period" within a certain period of time after repayment. If the minimum repayment amount is paid within this period, it will be regarded as "repayment according to the minimum repayment amount", and the bank will not record the overdue payment, nor will it generate late payment fees, but it will generate interest. Different banks have different holding periods. For example, the Bank of Communications has three days, and the Agricultural Bank has only two days. For details, please consult the customer service of each bank.

2. If the repayment cannot be made under special circumstances, take the initiative to contact the bank to explain that the repayment cannot be made on time due to special circumstances, including going on vacation, celebrating the New Year, being unemployed, getting sick or other accidents. If you take the initiative to contact the bank before the final repayment date, explain your situation, declare that you are not maliciously in arrears, and apply for deferred repayment and interest concessions. If you have a good credit record before, the bank will generally agree.

3. Keep a good credit record. The credit report is basically updated once a month. As mentioned above, it takes five years to automatically eliminate overdue bad records. However, if you can continue to use this card and maintain a good credit record for more than 24 months, the original overdue record has been overwritten by the continuously updated subsequent card use record.

Second, what will the bank do if the credit card is overdue?

1, SMS collection: mainly for users with short arrears.

2. Telephone collection: mainly for users who are in arrears for more than 30 days.

3. Door-to-door collection: mainly for users who owe money for more than one quarter.

4. Court prosecution: mainly for users who owe more than 1 year and have a large amount.

5. Outsourcing collection: Generally, it will be handed over to the law firm in the form of risk agency or to the collection company at a discount.