CITIC Bank's credit card was overdue for three months, and they sent a text message saying that they would arrange a collection staff to collect it at home. Will it really come?

CITIC Bank's credit card is overdue for three months. Indeed, they sent a text message saying that they would arrange a collection staff to collect it at home. If you continue to pay off your account, you will receive a letter from a lawyer and be sued by the court. It is recommended to repay in time. Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumption money is not deposited in the designated account in full and on time. Main functions of repayment date:

1. The bank is used to determine whether the cardholder has a malicious overdraft tendency.

2. Judge the economic status of the cardholder.

3. Repayment after the last repayment date will inevitably lead to overdue records. Whether this record can be changed from the bank requires further consultation with the issuing bank.

: What if the credit card is overdue?

1. Timely repayment: When the credit card is overdue, please pay off the debt as soon as possible, preferably in one lump sum, and prove to the bank that the cardholder has the spending power and repayment ability. If the default time is not long, you can call the customer service staff of CITIC Bank to explain the reason for forgetting the repayment date, which is not malicious, thus leading to overdue repayment. If the cardholder's previous consumption record has been good, it is very likely that this overdue record will not be recorded.

2. Apply for a reduced credit card: If the credit card is overdue for too long and there is no way to remedy it, you can apply to continue using this credit card. Generally speaking, banks will reduce the credit card limit as punishment. Cardholders can continue to spend after paying off their debts, and at the same time, they must ensure that they have a good repayment record during the consumption period. It is best to repeat the deposit and then spend, so that the bad records can be covered by long-term good consumption, thus reducing the adverse effects on cardholders after the deadline. Of course, CITIC Bank's credit card will bear certain economic losses when it is overdue: if it cannot be repaid in full, the overdraft will be repaid at a daily interest rate of 0.5 ‰, with monthly compound interest, and the minimum charge is RMB 1 yuan or USD 1 yuan or HK 1 yuan or Euro 1 yuan; If the minimum repayment amount cannot be paid off, a late fee of 5% of the minimum repayment amount for each installment shall be paid. The minimum fee is RMB 30 yuan or USD 3 yuan or HKD 30 yuan or Euro 3 yuan.