Will the Minsheng Credit Card notified today really go abroad for investigation if it is overdue?

It is understood that the overdue amount of credit cards is generally above 10000, and those below 10000 are basically SMS and telephone collection.

Under what circumstances will you come to the door?

1, no repayment intention (change the mobile phone number after being called by SMS or turn off the phone and lose contact, in which case it is very likely to be visited)

2. Too much debt (only the principal owed exceeds 1W).

3 overdue time is too long (overdue for more than 3 months)

Overdue credit cards have an impact on our lives everywhere. Instead of worrying about how long it will take to come to our house or even be sued, we should take measures to remedy it as soon as possible, pay back the money owed to the bank as soon as possible, and consult or help our family or relatives. If you can't repay the money temporarily, you can negotiate with the bank to re-establish the repayment plan, up to 60 installments.

Bank's overseas visit process:

1, set out (the acquisition personnel will not come to the door alone, and there are generally two foreign visitors to participate in each foreign visit, and no more than two releases-with case materials, letters of introduction, voice recorder and camera).

2. Notice (the person in charge will record the arrival time when calling the cardholder to say the door-to-door time, and will always know the exact location and door-to-door time of foreign visitors).

3. Take photos (take photos of the environment around the destination address)

4. Recording (generally speaking, foreign tourists record the whole process)

5. Visit (if the cardholder himself is found during the visit, the foreign interviewer will immediately identify himself and indicate his purpose, check the customer's mobile phone, home phone number and contact address, and ask the customer to sign for it (dunning notice) or (lawyer's letter). If the borrower is absent and relatives or family members are present, the interviewer will inquire about the relationship between the related party and the borrower in detail, understand the borrower's economic situation and current situation, ask the related party to convey repayment information and ask the related party to make compensation as appropriate, and finally ask the related party to sign (dunning notice) or (lawyer's letter) on its behalf.

If no one is at home, the interviewer will first call the cardholder's home phone to see if there is a phone ringing in the door, and then call the borrower's mobile phone to check the home address. At the same time, experienced foreign visitors will visit and investigate around the borrower's residence, looking for the cardholder's neighbors, property, neighborhood committees, village committees, film police, security guards and so on. Collect relevant information of cardholders. If the cardholder has a fixed private mailbox, the foreign interviewer will put the legal notice in an envelope and then put it in the borrower's mailbox.

Step 6 leave

Step 7 end

Above, collect legal compliance at home. In case of violent collection or illegal door-to-door collection, borrowers should learn to collect relevant evidence (they can choose to call the police immediately) and safeguard their legitimate rights and interests according to law.