What should I do if I have a credit card and always receive various dunning messages?

1. If you are a new mobile phone number, it will not affect you if you receive the overdue SMS notification from the last user on this number. If in doubt, it is recommended to consult the sending bank of overdue SMS.

Second, the main reason why the newly bought mobile phone number always receives bank dunning text messages is that the original owner uses this mobile phone number to handle loan business in the bank. If you want to change this situation, you can do this:

1. Contact the bank that sent the dunning information to the mobile phone number. Remember not to contact the phone number on the dunning SMS, but to call the official bank phone number. For example, CCB will call 95533, then ask the customer service to explain the situation, ask the bank to change the contact information of the original owner, or contact the original owner through other channels.

2. Cancel this mobile phone number.

You can go to the business hall to cancel your mobile phone number, and then buy a new number, so that this will not happen. However, it is best to explain the situation to the sales staff when handling the new number, and then find a better reputation or a new number.

3. Call 1232 1 to make a complaint.

1232 1 is the telephone number of the network defect and spam reporting center. Calling this number to make a complaint can not only block spam messages in the mobile phone, but also block harassing calls in the mobile phone.

Serious consequences of overdue credit cards:

1, resulting in overdue interest and late fees;

2. Bad credit record;

3. Banks will collect money and may face criminal problems.

Credit card overdue solution:

1. If the cardholder forgets to repay and finds it overdue, he must repay as soon as possible, preferably in full. Call the bank's credit card center and declare the non-malicious arrears. If the overdue time is short, the bank may not calculate the bad record;

2. When the credit card cannot be repaid due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center to explain his financial situation, declare that he is not in bad faith, and apply for deferred repayment or installment repayment;

3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to defer repayment, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;

4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the credit card overdue repayment record will be kept in the credit information system for two years. If the card is found to be cancelled directly after it is overdue, the information will not scroll, but will be kept for a long time. Therefore, after the cardholder is overdue, it is best not to cancel the credit card immediately. It is best to stick to it for more than 2 years and then maintain a good credit record.