What should I do if I send a message saying that I will come to my village Committee?

The best way is to pay back the money owed in the credit card.

If you have money in your hand, the best way is to pay back the money you owe in your credit card, at least the minimum payment. If you have no money in your hand, you can discuss it with the customer service who calls for payment, saying that you are not maliciously defaulting on repayment, but have no money in your hand for the time being. In addition, it's best to discuss with customer service a monthly repayment amount that you can get.

It is very important not to make a hullabaloo about when talking to customer service. After all, no one wants to discuss things with a grumpy person. Moreover, people who owe money are indefensible, so they kindly discuss with the customer service and express their willingness to repay, and the customer service will generally give accommodation.

People who say on the phone that they want to find the address of the village Committee usually only happen when the debtor does not pay back the money for a long time, does not answer the phone call of the debt collector and has no intention to pay back the money. In fact, a short message like a dunning note is just to make you pay back the money, and texting is just a means.