If the credit card of SPD Bank is overdue, the bank may entrust a third-party agency to carry out more intense collection after the bank has tried various gentle collection methods, and if the cardholder has not reached an agreement with the bank. Some agencies may take a more aggressive approach, such as door-to-door forensics.
So, how long does it take for a credit card of Shanghai Pudong Development Bank to be overdue for a door-to-door collection?Generally speaking, if the overdue time reaches more than 90 days, the bank may arrange personnel to collect the evidence at the door. However, the exact time of the visit will also be affected by individual circumstances. The bank will decide whether to conduct a door-to-door collection based on the overdue time and the amount owed. If the amount owed is large and the overdue amount is long, the bank may take more stringent measures to collect the payment. If the cardholder can contact the bank in time and pay off the arrears as soon as possible, the possibility of being visited for evidence will be greatly reduced.
After the credit card is overdue, the cardholder is advised to get in touch with the bank as soon as possible and pay off the outstanding amount as soon as possible. When faced with door-to-door forensics, cardholders should remain calm and not panic, while maintaining communication with the collectors to understand their identity and purpose. In addition, cardholders should keep relevant evidence, such as audio recordings, text messages, emails, etc., in case of emergency.
In conclusion, overdue credit cards are a serious problem that can affect an individual's credit history and score. Therefore, cardholders are advised to repay the loan on time as much as possible to avoid unnecessary troubles and losses.