Call me if the credit card is overdue and say that if it is not returned within 24 hours, it will turn the ringtone of the mobile phone into Lao Lai and upload it to Tik Tok.

If your credit card is overdue, you will receive a call notice saying that if you don't repay it within 24 hours, your ringtone will be changed to "Lao Lai uploaded to Tik Tok". Such a scene does not actually exist.

1. First of all, the credit card will call you to remind you of the repayment, but it will not take the measure of changing the ringtone of the mobile phone to "Lao Lai uploaded to Tik Tok".

2. Then, overdue credit cards will remind you to pay back in the following ways:

-Telephone reminder: the credit card institution will contact you by phone to remind you of the repayment period and amount.

-SMS reminder: You may receive SMS reminder sent by credit card institutions, including repayment amount and term.

-Email reminder: Credit card institutions may also notify you of repayment information by email.

3. Summary: If the credit card is overdue, the repayment will be reminded by phone, text message, email, etc. But you won't use the method of changing the ringtone of your mobile phone to "Lao Lai uploads it to Tik Tok".

4. Extended information:

Credit card overdue refers to the situation that the credit card fails to repay on time after the repayment date. Overdue repayment will have a negative impact on personal credit records, and may lead to a decline in credit scores, a reduction or freezing of credit limits, and the payment of high late fees. Therefore, it is suggested that before the deadline of credit card repayment, the overdue situation should be avoided as far as possible to maintain your credit record.

The above is the answer whether the credit card will change the ringtone to "Lao Lai uploaded to Tik Tok". I hope it helps you.