Is Guangfa Credit Card overdue for three days to call the contact person?

If the bank credit card is overdue for more than half a year, it will take the initiative to contact another contact person bound by the information in the bank card for collection. If the bank credit card is overdue for more than half a year, it will take the initiative to contact the binding.

Collect, sort out, save and handle the credit information of natural persons, legal persons and other organizations according to law, provide credit reports, credit evaluation, credit information consultation and other services, help customers judge and control credit risks, and carry out credit management activities.

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information.

As the cardholder of Guangfa Credit Card, if your card is overdue, Guangfa Collector will upload your information to the information system. Generally speaking, within three days overdue, customers will have a grace period for repayment, which is the buffer period set by Guangfa for collection.

During this period, as long as customers repay in time, it will not have a great impact on them. However, it is best to actively communicate with the collection department of Guangfa, because although there is a grace period, it will not affect the credit, but the subsequent normal use of the credit card still needs to communicate with the bank.

On the contrary, if the repayment is not made after the grace period, the consequences will be more serious. In addition to the original telephone, SMS and other ways to remind, and may even be sued by the bank. If it is executed by legal means, it will be prosecuted according to the amount owed by the user. More than 50,000 yuan is a criminal lawsuit, and less than 50,000 yuan is a civil lawsuit.