Overdue notices are sent one week after an item is overdue. A second notice is sent two weeks after the item is overdue. A final notice that includes a bill for the item(s) is sent by U.S. mail three weeks after the item is due.
After two months, if you still haven't made payment arrangements, your account may be referred to a collection agency if it has $25 or more in fines, fees or outstanding materials. A $10 long overdue account fee is also charged to the card holder.