What happens when you begin to delinquent credit card debt?

This happens when the delinquent debt on credit cards, Start Up of Telephone Terror Blacklist

- 1-3 months in arrears
Invoices will continue to come with flowers that make debt more swollen. The call from the collection or billing will often ring the mobile, home phone and your office. Be prepared with a curt tone (sometimes even violent) from the collector who can make you hurt. Most people choose not to answer the phone or tell colleagues and people at home that you are not in place. So was when debt collectors come to collect the home or office.
- 4-5 months in arrears
Letter from the bank will come. This letter contains a notice that if you do not have good faith to pay debts, with great regret your name will be added to the blacklist Publishers Association of Credit Card and Bank Indonesia. More diligent debt collectors come to you. However, the bank also will begin offering a mortgage relief program for 20-36 months for a total of your debt. Usually offered programs still feels heavy.
- Arrears of more than 6 months
Bank re-offer debt repayments or interest rates decrease (eg from 3.5% to 1.2%) and fixed debt payments can be repaid. If you have some cash, here is the time you apply for debt repayment with 30-50% discount.