The credit card is overdue for half a year, and the third party begins to collect it. What should I do?

Faced with the competitive pressure of internet finance, China's bank credit card business began to release water vigorously. Despite the rapid growth of credit card business, the proportion of bad balance is also increasing. By the end of the second quarter of 20 18, the amount of overdue credit card business in China has exceeded 75.667 billion yuan. Faced with more and more money, banks are understaffed, so the proportion of entrusting third-party companies to collect money is increasing.

However, although banks are generally required not to violently collect money before entrustment, in reality, third-party institutions generally resort to insults, insults, threats, explosion of address books, and even door-to-door harassment, making trouble in the debtor's unit, etc. (the income of third parties is linked to the amount of money and accrued in proportion). For this kind of behavior, users can directly report to the police or complain to the local bank insurance regulatory bureau. Because the credit card is overdue, although the bank (or its entrusted institution) has the right to collect it, the collection must be within the scope of laws and regulations.

Measures for the supervision and administration of credit card business of commercial banks

According to Article 68 of Measures No.2 on Supervision and Administration of Credit Card Business of Commercial Banks issued by CBRC 20 1 1, the issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not use violence, coercion, intimidation, abuse and other improper collection behaviors. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.

The Measures for the Supervision and Administration of Credit Card Business of Commercial Banks are the guidelines that all banks must abide by. If the commercial bank or its entrusted institution has the above-mentioned violations, users can directly complain to the CBRC, and if personal injury is caused to the debtor, they can also report to the public security organ for disposal.

In fact, most collection agencies also know that their actions are illegal, but because many people don't know these rules, they often compromise under the threat of violence from collection agencies, especially when they involve family members or threaten to go to work to make trouble. In the face of violent collection, everyone must not retreat. In fact, the collection agency itself is very virtual. A typical paper tiger bullies the weak and fears the hard. The more you compromise, the more they push their luck. The tougher you are, the more they regress.

Of course, in any case, overdue is always a bad behavior, and it is also our own who suffers. If we have the ability, it is better to pay back the arrears as soon as possible. As for door-to-door collection, just collect it well. If you outsource the collection, the bank will not dare to make any mistakes. If you report the collection, the bank will cancel the cooperation with this outsourcing company because there are assessment indicators.