I received phone calls on my mobile from citi bank credit card from number XXXX about past due and i did return call again same number and their system identify me by my home phone number and system says " we are attempt to collect debt Any information obtained will be used for that purpose. '' my question is i just miss the XXXX payment on my credit card account and I took immediate action and made payment. my question is why my credit card account is under " attempt to collect debt ... .that purpose '' Is it under collection agency or i have balance and did not paid full each month it means my account subject to collect debt. 
