The collection phone suddenly disappeared. What happened?

Generally speaking, credit card collection is divided into internal collection and outsourcing collection. Internal collection usually refers to customers who are overdue for more than three months. Generally, they are reminded by bank customer service (M0 period), urged by electricity (M 1, 2 period) or collected at various business outlets (M3 period)!

Outsourcing collection mainly means that the credit card center entrusts some companies (some of which are law firms) specializing in collection industry to collect some customers who are difficult to handle, have problems, lose contact or have a small amount after internal collection fails.

In this case, you should call the bank to inquire about the situation, and then talk about whether you can negotiate repayment. But if you are overdue for so long now, your credibility may be low in the eyes of banks, and the chances of negotiation should not be high. If you negotiate when you have no money to pay back at first, the success rate may be even greater.