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Posted by Fitz under Personal Finance. Will you go to jail because of it? These and a lot of other questions about credit cards have been answered below, courtesy of a credit card officer which I had the opportunity to interview. Thus, one should NOT consider the information below as an absolute fact that applies to all cases. Lastly, please be guided that the answers given in this article is NOT intended to replace the advice of your financial adviser or legal council.
When you default on your payment, the bank will flag you as a delinquent card member. They will call you to remind you to pay. If you continue your non-payment, the calls will be more frequent until you reach a pre-determined number of missed payments. After which the bank will dismiss your case and turn your account over to a collection agency. The collection agency is not a part of the bank. They are a third-party business who buys the delinquent accounts.
The collection agency will now take over the responsibility of convincing you to pay your credit card debt.