实践中,银行在贷款、信用卡透支不良催收工作中,往往出于人力、物力等方面的考虑,一般采用短信、电话催收或向户籍地或持卡人预留的其他地址发送催收信以及上门催收等催收方式,司法实务中,若持卡人拒绝在催收通知上签字,辩称其从未收到过银行发送的催收通知,那么银行单方面提供的电话催收记录、催收信函等可能不会被法院认定为有效催收。 In practice, bank loans and credit card overdraft bad collection work, often out of human, material and other considerations, the general use of SMS, telephone collection or to the residence or the cardholder to reserve another address to send collection letters and home collection If the cardholder refuses to sign the collection notice in the judicial practice, arguing that it has never received the collection notice sent by the bank, then the telephone collection records and collection letters unilaterally provided by the bank may not be Court finds valid collection.