If the credit card is overdue, the bank will negotiate with the third party.

First, express the willingness to repay to the bank. You should get in touch with the bank, show your current economic situation and express your willingness to repay. I hope that the bank will coordinate and customize a reasonable repayment plan and pay off the arrears slowly.

Second, prepare the corresponding materials needed by the bank and submit them to the bank to prove that they have the ability to repay, but it is more difficult now, which can improve the success rate of negotiation.

Third, considering the current situation, for example, if you want to divide into installments, you should first plan how many installments you want, and then tell you how much you can repay each installment. This plan must be reasonable and acceptable to the bank.

Fourth, finally, negotiate the penalty interest. After showing the sincerity of repayment, but considering the current economic ability, the bank said that it would repay the principal in installments, but please reduce the penalty interest, and the bank will generally give some relief.

At present, the country does not allow threatening to collect money at home. If the other party has similar harassment, you can call the police.

1. How long will the overdue credit card be prosecuted?

1. If the cardholder's credit card is overdue for more than one week, the bank will reduce the credit card limit for collection.

2. If the cardholder is overdue for less than one month, the bank will call or send a short message to inform the borrower to repay the loan in time, otherwise it will be notified of the credit and the user will face a high penalty interest. During this period, the bank will not take other measures to require users to repay.

3. If the cardholder is overdue for more than one month or even longer, the bank will outsource the dunning task to a third-party dunning company. Third-party collection companies are not limited to telephone calls and text messages. The third party collection company will contact the borrower's family or friends, which will have an impact on the borrower's life.

If the cardholder is overdue for more than three months, the bank will use legal weapons, the bank will take the cardholder to court for credit card fraud, and the cardholder will face prosecution from the bank.