At the 1.M0 stage, between the last repayment date and the next billing date, there are only robot phone calls or SMS reminders.

2.M 1 stage, from the second billing date to the repayment date. During this period, manual telephone reminders are generally mild, and some banks have called emergency contacts.

3.M2 stage, from the third accounting date to the repayment date. During this period, if you are tough, you will contact relatives and friends, send emails or text messages, and even call the unit, village Committee and people unrelated to the debtor.

4.M3 stage, from the fourth billing date to the repayment date, during this period, in addition to telephone collection, a lawyer's letter will be mailed.

5. In M4 stage, from the 5th billing date to the repayment date, except telephone calls, emails, letters from lawyers and some collection meetings will be held at home.

6. In M4+ stage, from the 6th billing date to the repayment date, in addition to all the above means, some people will take civil action, and even call the police if the credit card amount is relatively large.