How many days is the overdue credit card of Shanghai Pudong Development Bank calling the contact person?

1, generally speaking, the bank staff will call you after one week overdue. If you call the contact person, it is usually three months later. After the credit card is overdue, the bank shall not collect it. For the cardholder's early overdue behavior, the overdue time is 7~ 15 days, mainly by SMS. If the cardholder is overdue for more than 30 days or more than one billing cycle, the bank will call for collection and remind him to repay, but this call is usually made directly to the cardholder, not to the cardholder's family.

2. As for how long it takes to call home, usually when the cardholder is overdue for more than 30 days, the bank can't collect the money and can't contact the cardholder, the bank will turn to the cardholder's family to find a breakthrough, that is, call home and tell the cardholder to repay as soon as possible, but some banks will ask the cardholder's family to repay for the cardholder.

Especially for the spouse of the cardholder, the bank can ask the other party to repay the cardholder, which is allowed by law. According to Article 17 of Chapter III "Family Relations" of the Marriage Law of the People's Republic of China, the property acquired during the marriage relationship belongs to the husband and wife, and the debts incurred are also shared by the husband and wife. Although calling is also a means of collection, it is not certain that the cardholder will receive a call as soon as it is overdue, and there is still a buffer time.

1, under normal circumstances, the bank will give a one-week buffer period, during which the bank will only collect money. If the overdue time is more than 7 days and the overdue amount is relatively large, it is likely that you will call to collect it. But this call will only be made to the cardholder, not to his family. After all, credit card debt is a personal debt, and banks have no obligation to investigate and harass the relatives of cardholders. Therefore, when the credit card is overdue, the bank will directly call the cardholder for dunning, so there is generally no need to worry about harassing family members and relatives.

However, there is one exception. If the cardholder intends to avoid collection and "run away" by changing the address, mobile phone and other contact information, the bank will call the emergency contact person filled in when the cardholder applies, so as to know the whereabouts of the cardholder and ask them to tell the cardholder to repay as soon as possible. But for the spouse of the cardholder, some banks may directly ask them to help pay back the credit card. After all, according to the marriage law of our country, the property obtained during the marriage relationship belongs to both husband and wife, and accordingly, the debts incurred are also borne by both husband and wife.

In short, if the credit card is overdue for more than 7 days, the bank may call. Generally, only the cardholder will be called, but if the cardholder loses contact, he may call his family and relatives and even ask for help in repayment.