Why did my credit card company stop trying to collect my unpaid balance?

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September 11, 2026 / 11:58 AM EDT / CBS News

For many credit card borrowers, falling behind on payments has become increasingly difficult to recover from recently. Not only are credit card balances rising nationwide, but at an average of over 22%, credit card interest charges can add substantially to the balance owed. And, today's elevated inflation rate is only adding to the issue, as borrowers' budgets are also being squeezed by rising everyday costs. As a result, even a temporary financial setback can result in some cardholders falling months behind on their payments.

Once that happens, the credit card issuer's collection attempts can become a regular part of the problem. For example, your credit card company may call repeatedly to push for payment, and they may also send past-due notices via text or mail — or otherwise push you to bring the account current. So, if those collection efforts suddenly stop after weeks or months of contact, the silence can be noticeable — and also confusing.

And, that silence can also raise an important question about what is happening…

Original source: https://www.cbsnews.com/moneywatch/