Guangzhou Bank's credit card was overdue for three months, saying that it would join the police station.

Bank of Guangzhou's credit card may be handled jointly with the police station after it is overdue for three months. According to China laws and banking regulations, the following is a detailed explanation of this conclusion:

First of all, according to Article 38 1 of People's Republic of China (PRC) Contract Law, credit card issuers have the right to take reasonable measures to recover overdue payments. As a credit card issuing bank, banks can choose the joint police station for processing.

Secondly, banks usually take a series of measures to deal with overdue repayment. First, the bank will remind the cardholder to repay the loan as soon as possible by phone or SMS. If the cardholder does not respond positively, the bank may send someone to the door to withdraw money. If the above method fails, the bank will report the overdue records to the credit reporting agency, which will have a negative impact on the credit record of the cardholder. Finally, if the cardholder still fails to fulfill the repayment obligation, the bank may take legal measures, such as joint police station to deal with it.

Generally speaking, Guangzhou Bank can choose the joint police station to handle credit cards overdue for three months, which is the handling method according to China laws and bank regulations. In case of overdue repayment, the cardholder should contact the bank in time and actively solve the repayment matters to avoid damage to the credit record.

Extended data:

As far as I know, China's laws and bank regulations tolerate overdue credit cards to some extent. Under normal circumstances, the bank will give the cardholder a certain grace period to repay. If the cardholder repays within the grace period, further legal proceedings can be avoided. However, if the cardholder is overdue for more than three months, the bank will usually take more severe measures to recover the arrears and protect its own rights and interests. Therefore, cardholders should clearly understand the repayment obligations of credit cards and abide by relevant regulations in order to maintain a good credit record.

In addition, each bank may have different collection policies for credit cards. Some banks may adopt their own internal collection methods, which may not necessarily be handled jointly with the police station. Therefore, the specific treatment methods may vary from bank to bank. When the cardholder encounters the problem of overdue repayment, he should contact the issuing bank in time to understand its specific collection policy and actively seek solutions.

In answering this question, I mentioned the common practices of China laws and banking regulations to deal with overdue credit cards. However, due to the lack of specific question information, I assumed some conditions to give the answer. If the problem is different, the treatment method may be different. Therefore, when the cardholder encounters the problem of overdue credit card, it is best to consult the bank to get accurate treatment suggestions.