The credit card has expired. If the bank reports the case, will the Public Security Bureau inform you by SMS?

If the bank calls the police, the police station will come directly to the door, and generally will not notify you by SMS.

For overdue, banks have different treatments according to the length of time. In general,

If it is overdue for 3 days

The bank will inform you by SMS.

And according to the time tolerance policy, you can still enjoy interest-free; Three days later, it will be reported to the People's Bank of China and included in the personal credit report.

If it is overdue for one month, the bank will call or SMS to inform the repayment as soon as possible; If it is overdue for 3 months, the bank will come to collect it. If not, it will contact your emergency contacts and relatives and send a warning letter. If you don't pay it back in six months,

, you can contact a private collection company to collect it for you;

You can even sue in court or report to the public security bureau. If the crime of malicious overdraft is established, it is not only necessary to repay the principal and interest, but also to be fined and sentenced.

So be careful not to apply too much when you apply for a card.

; Pay attention when you swipe your card, and don't let desire drive you to become a card slave. Once it is found that it may not be possible to repay in full, it is necessary to repay in time, preferring to pay more interest to reduce the pressure of repayment and ensure the innocence of credit information; If you have received the warning letter, please try to repay as soon as possible, and at the same time take the initiative to contact the bank to show your determination to repay, and negotiate with the bank to make a repayment plan.