Put pressure on the cardholder. According to the overdue rules of credit cards, Ping An Bank called to say that the cancellation of the contract only served as a "warning" to the cardholder, with the purpose of putting pressure on the cardholder. If the credit card is overdue, the bank will send a legal notice letter. This letter is not a lawyer's letter, nor a summons. It has no legal effect and only plays a "warning" role for cardholders.