What happens when you receive a notice of visiting abroad?

Credit cards are widely used, and there are many overdue cases. Many people don't know the seriousness of overdue, and may choose to avoid it directly for fear of being collected. However, if they avoid it, the consequences will be more serious, and they may be taken home or prosecuted. So is it true that you receive an overseas visit SMS after your credit card is overdue?

1. Is it true that the credit card received the notification message for visiting abroad after the deadline?

It may be true to receive a short message informing you of a foreign visit, but don't worry too much even if it is received at home. If there is a violent collection, you can call the police to protect yourself.

Under normal circumstances, banks will not choose to withdraw money directly from their homes. First, they will collect money by text message and telephone. As long as it is effective or successful, the bank will not come to you. However, if the cardholder has not responded to the collection or treated it negatively, he will come to the door for collection. But don't worry even if you come to the door. You can prepare listening and recording equipment in advance. As long as you have violent collection and provide relevant evidence, you can protect yourself through legal means.

2. What are the consequences of overdue credit cards?

Collection: overdue credit cards will be collected, not only by SMS and telephone, but also by door-to-door collection and prosecution. These are collection methods, which will bring great psychological pressure to cardholders.

The economic pressure will become greater: after the credit card expires, not only can there be no principal, but the previous interest-free period will also be useless. Interest will be calculated from the date of swiping the card, and there will be liquidated damages, which will be much more than the principal.

Personal credit will deteriorate: after the credit card is overdue, it will be recorded in personal credit, which is a stain on credit. It will become very difficult to borrow money in the future, and it will be automatically deleted after 5 years of repayment.

3. How to deal with overdue credit cards?

1. Indicate repayment intention: even if repayment cannot be made in time for the time being, express strong repayment intention as much as possible to effectively avoid collection and prosecution.

2. Keep the call normal: When collecting money, you must face it positively to avoid disconnection and effectively avoid more serious consequences.

3. Active negotiation: actively contact the bank to negotiate the way to postpone repayment. As long as the scheme is reasonable and feasible, the bank may agree, so as long as the contract is signed, the repayment can be made according to the new repayment method.

The above is about "is it true that the credit card received the notification message of overseas visit after the deadline?" It may be true, but whether it is true or not, we should face the collection positively.