If you debts is above RM 10K per credit card, the bank will not bother to call you, because they can sue you for bankruptcy. As soon as less than RM 10 K, they will start calling you to pay the installment.
This is different for physical assets such as car and property where regardless of how much you owing, they will call you because they can always repossess.
This makes sense when recently a bank offer me a bank loan (6.99%) which the person in-charged specifically highlighted that it is not link to your credit card account.
My guess is that different financial packages tie to different bankruptcy policies.
What do you think ?