The credit card center sent a text message saying that it would come to the door.

1. The credit card of Bank of Communications is overdue for two months. I sent a message today that there would be a door-to-door collection meeting. ...

I will,

2. Will Bank of Communications collect money many times?

Bank of communications credit card arrears generally do not come to the door for dunning. If there are still outstanding loans after repeated reminders from the bank, the bank may ask for repayment.

1. If a bank files a civil lawsuit, it shall decide whether to accept it within 7 days from the date of receiving the litigation materials.

2. If you owe RMB 10000 yuan, you still don't pay it back for more than 3 months after two bank reminders, which constitutes a credit card crime and should bear criminal responsibility. After the public security organ files a case for investigation, it usually takes about four months for the procuratorate to initiate a public prosecution.

Interpretation of the Supreme People's and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management.

Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196th of the Criminal Law:

(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;

(two) squandering overdraft funds, unable to return;

(3) Escape after overdraft, change contact information and avoid bank collection.

(4) evading or transferring funds, concealing property or evading repayment;

(five) the use of overdraft funds for illegal and criminal activities.

Third, will the credit card owed to Bank of Communications really be collected at home?

Bank of Communications won't collect money at home, and the credit card customer service center will arrange the failed collection to the outsourcing collection company after the telephone collection fails within 3 months.

If you refuse to return it after being urged by the bank, it is a malicious overdraft, which constitutes a credit card crime and bears criminal responsibility. Article 196 of the Criminal Law Whoever engages in credit card activities under any of the following circumstances shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

There are four main ways for banks to accept credit cards:

First, short message collection. Mainly for the cardholder's early and overdue repayment behavior, usually 7 to 15 days overdue. SMS mainly plays the role of reminder.

Second, telephone collection. Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle.

Fourth,. Mainly overdue for more than half a year, the bank will apply to the cardholder for repayment.

Fifth, outsourcing collection. Mainly for overdue 1 year or more, the bank packages and discounts overdue funds to the outsourcing collection company, which is responsible for overdue debt collection.

Overdue credit cards will produce bad credit records, which will affect personal credit and future credit business, such as loans, car loans, mortgages and other businesses. Overdue repayment will generate interest and late fees, and excessive arrears will generate high interest and late fees.

4. How long is the credit card of Bank of Communications overdue?

After the credit card of Bank of Communications is overdue, the bank will generally not collect it at home. When SMS, telephone or email collection fails, Bank of Communications will directly ask you for repayment. When you are overdue for more than 3 months, the amount in arrears exceeds 6,543,800 yuan, and the bank fails to pay back the money for many times, you can directly.

1. How long is the overdue credit card of Bank of Communications causing bad records?

As the bank introduced the credit card repayment time service, as long as the cardholder repays within three days after the last repayment date, there will be no bad record.

After the credit card repayment date, the cardholder can enjoy 3 days repayment time service. As long as the cardholder returns the minimum repayment amount before 0: 00 on the third day after the due repayment date, it is not overdue. In other words, as long as the credit card is overdue within 3 days after the repayment date, it is safe. If the credit card is overdue for more than 3 days, it is necessary to conduct credit investigation, which will affect the personal credit record.

The bank reports the credit card to the central bank's credit information system, and then forms a credit information record. At present, banks submit personal credit data once a month. Therefore, if the credit card is overdue and exceeds the buffer time of 3 days, you should call the bank in time and try to solve it through consultation before the bank submits personal credit records.

2. How to check the overdue records of Bank of Communications credit cards?

Inquire through the website of the central bank. Cardholders must first log in to official website, the central bank's credit information center and register new users in the personal credit information system; Authentication, user activation, if successful, you will receive a short message containing the activation code the next day; Log in to the system again the next day and enter the activation code to query the "Personal Credit Report".