Will the overdue credit card explode the address book, Zhihu?

1. Will the overdue credit card explode the address book?

Although it is a legal society now, the credit card collectors are a

Will the overdue credit card explode the address book, Zhihu?

1. Will the overdue credit card explode the address book?

Although it is a legal society now, the credit card collectors are also mixed, so there is a possibility that the address book will be exploded after the credit card is overdue.

You should know that there are two kinds of credit card collection, the first is internal collection of banks. The internal collection method will be more civilized, and you may only be notified of repayment by phone or SMS. At this stage, you stop paying back the money, and your address book will not be exploded.

The second is third-party collection. If the bank fails to collect, it will hand over your debt to a third-party company for collection. Their collection methods are not so polite, whether it is door-to-door collection, telephone harassment, or address book explosion.

2. Can I complain if my credit card explodes the address book overdue?

Strictly speaking, the explosion of address book is a kind of violent collection, so it is ok for credit card to complain about the overdue explosion of address book, but many users may have no results after complaining, which may be because your complaint method is incorrect.

In this case, you can't complain to the bank, and the bank will certainly not care. You can call the credit card head office or the China Banking Regulatory Commission to explain the cause and effect of the matter clearly. The most important thing is to provide evidence. If you rely on one mouth to say that there is no evidence to support it, the other party may accuse you of malicious complaints. Therefore, in the case of violent collection, it is necessary to record or record and keep the evidence.

Third, is it true that the credit card is overdue?

If you get a call from a third-party collector, the other party tells you that you will be sued if you don't pay back the money. Nine times out of ten, this situation is false because a third party has no right to sue you. But in order to find out the truth of the matter, you can call the bank customer service staff to identify it.

If you get a phone call or a text message from the bank, and it's a lawyer's letter from the bank, you should sound the alarm for yourself. When your overdue amount is relatively high and the overdue time has reached more than three months, like this, the bank has the right to sue you. At this time, you should contact the bank for repayment in time.

Special circumstances can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.