What are the methods of bank collection for overdue credit cards?

1. What are the methods of bank collection for overdue credit cards?

1. Telephone collection.

Mainly for overdue behaviors that are more than 30 days overdue and more than one billing period, we will conduct phone reminders for repayment.

2. SMS collection.

Mainly aimed at early cardholders’ overdue repayment behavior, which is generally 7-15 days overdue. SMS mainly serves as a reminder.

3. Door-to-door collection.

Mainly for overdue payments of more than 90 days, the bank will arrange collection personnel to visit the cardholder's residence or work address to collect repayment.

4. Prosecution in court.

Mainly for cardholders who are overdue for more than half a year, or 60-90 days overdue at important nodes such as the end of the year. The bank will apply to the court to sue the cardholder for repayment.

2. How to sue for overdue credit card payments?

1. Write a civil complaint, stating your name, gender, age, ethnicity, occupation, workplace, residence, and contact information and other information;

2. Prepare copies of the identity cards of the original and defendant parties;

3. Prepare relevant evidence materials to prove the existence of the dispute;

4 , file a lawsuit with the people's court with jurisdiction.

3. What compulsory measures can the court take if credit card payments are overdue?

1. Inquire, freeze, and transfer the deposits of the person being applied for execution;

2 , detain and withdraw the income of the person subject to execution;

3. Seal, detain, auction and sell off the property of the person subject to execution;

4. Search the hidden property of the person subject to execution property.

4. What are the procedures for court enforcement of overdue credit card payments?

1. Application. The parties must fulfill the legally effective civil judgments and rulings as well as criminal judgments and rulings. If one party refuses to perform, the other party may apply to the People's Court for execution in accordance with the law, or the judge may transfer the case to an executioner for execution.

2. After the court accepts the application, it will review it and make an enforcement decision if it meets the legal conditions.

3. Issue an execution notice to the person subject to execution. When the execution officer receives the application for execution or the transfer of execution, he shall issue an execution notice to the person subject to execution and order him to perform within the specified period. If he fails to perform within the specified period, compulsory execution will be enforced.

4. Take compulsory measures, such as querying, freezing, and transferring the deposits of the person being applied for execution; detaining and withdrawing the income of the person being applied for execution, etc.

Banks will definitely use effective methods to collect collections from cardholders. The collection methods mainly depend on the length of the overdue period. Cardholders cannot sit idly by and ignore the collection text messages from the bank, even if they still pay. If you can't afford a credit card, you should take the initiative to contact the bank for processing. If the payment is overdue maliciously, it may constitute a crime of credit card fraud.