Bank of Communications didn't return the credit card, and then the Shanghai number starting with 02 1 kept calling me. Should I answer it or not? What happens if I don't answer it? It's one month overdue.

If the credit card is overdue, the corresponding bank calls for repayment. It doesn't matter whether you answer the phone or not, but if you don't answer it all the time, the bank will keep calling to urge the repayment until the customer pays off the money.

If the credit card is overdue, it will not only reduce the customer's comprehensive credit score, but also affect the future loan matters, and the longer the overdue time, the higher the repayment amount, and repay as soon as possible.

Extended data

Recovery time after overdue credit card:

1. If there is a bad credit record caused by credit card repayment or annual fee, as long as you are sincere, take the initiative to contact the bank, explain the reasons and take appropriate remedial measures, the bank will usually help customers eliminate the bad credit record, and the time generally cannot exceed 90 days.

2. If you want to get rid of bad credit card records, there is another way to refresh the coverage system according to credit records and get rid of negative records and their effects. Because credit card records basically only show the records of the last 24 months, the previous records are difficult to query.

As long as the repayment is made on time in the next two years and no new bad records appear, the original negative credit records will be overwritten and a good credit record will be re-formed.

3. If the reputation stain is overdue for more than 90 days and enters the database of the central bank's personal credit information system, there are only two ways to eliminate it. One is to automatically eliminate bad records after 5 years, and the other is to apply for manual elimination. According to the regulations of the central bank's credit information center, everyone has the opportunity to manually eliminate it every two years and needs to submit an application to the credit information center. If it meets the requirements, the Credit Information Center will immediately help eliminate it.

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