The meeting may have a certain impact on the credit record. Now all banks in the country are connected to the Internet. One bank has a bad record, and other banks will see it. Unless the credit record will not be used for secured loans and credit card business in the future, it is recommended to pay back the money as soon as possible and make a record of timely repayment in the future.
Extended data:
Credit card overdue for more than 30 days, more than a billing cycle, the bank will collect, mainly in the following five ways:
First, short message collection. Mainly for the cardholder's early and overdue repayment behavior, usually 7 to 15 days overdue. SMS mainly plays the role of reminder.
Second, telephone collection. Mainly for the overdue behavior of more than 30 days and more than one billing cycle, make a repayment phone reminder.
Third, door-to-door collection. If the payment is overdue for more than 90 days, the bank will arrange the collection personnel to collect the repayment at the cardholder's residence or work address.
Fourth, the court sued. Mainly more than half a year overdue, the bank will apply to the court to sue the cardholder for repayment.
Fifth, outsourcing collection. Mainly for overdue funds above 1 year, the bank will package and discount the overdue funds to the outsourcing collection company for overdue debt collection.
References:
Bank of communications security card reminder? Bank official website