How to collect credit cards

What are the main ways for banks to collect credit cards?

Credit card collection is divided into internal collection and outsourcing collection. Internal collection usually refers to customers who are overdue for less than three months, usually by bank customer service reminder (M0 period), electric reminder (M 1 2 period) or door-to-door collection at all business outlets (M3 period)!

Outsourcing collection mainly means that the credit card center entrusts some companies (some of which are law firms) specializing in collection industry to collect some customers who are difficult to handle, have problems, lose contact or have a small amount after internal collection fails.

Type:

M0 period

It is the day after the last payment date to the next billing date. During this period, the bank records are hardly damaged, but late fees and full interest will be charged. During this period, banks generally don't call for money, but remind them by SMS platform or telephone that they are overdue!

M 1 period

It is a continuation of M0 period, that is, between the second billing date and the last payment date of the second bill, the credit record will be uploaded to the credit information system of the People's Bank of China, which is likely to affect issues such as house purchase loans or credit loans, and will also charge late fees. If it is before the second payment date, it will only be collected once, otherwise it will be collected twice, and the interest will be charged according to the compound interest of the current arrears!

M2 period

It is the continuation of M 1, that is, between the third billing date and the last payment date of the third bill, the credit record of the banking industry will be stained, which will have a great impact on the loans and job hunting of larger enterprises in the future. A late fee will be charged. If it is before the third payment date, the second late payment fee will be charged. Otherwise, for three times, the interest will be compounded according to the current arrears.

M3 period

It is a continuation of M2, that is, between the fourth billing date and the last payment date of the fourth bill, the credit record has a great influence, and there will be a big stain in the bank credit information system, which directly affects all kinds of business in the bank. Enterprises that can't get in, especially public servants, are very strict with the credit information record.

M4 period

It is a continuation of M3, that is, between the fifth billing date and the final payment date of the bill, the credit record has a great influence, and the bank credit information system will be greatly stained, which will seriously affect all businesses in the bank and prevent it from entering enterprises and institutions with strict credit information records. Late fees will be charged (some banks will stop charging). If it is before the fifth payment date, it will be charged four times. Otherwise, compound interest will be charged for the current arrears.

What is the credit card collection process?

Please refer to the following five steps for the credit card collection process:

1. When the cardholder has just overdue, the user will send a text message to remind him of repayment;

2. When the overdue time is long, the customer service will call for collection;

3. Entrust a lawyer to send you a power of attorney;

4. If the cardholder is overdue for more than 3 months, the bank will entrust a third-party company to collect it;

If the collection company can't collect the debt, the bank will++you, and then you will go to court.

Extended data

If we don't pay back the credit card we owe to the bank, we will be collected by the bank at this time. The judicial collection process of credit cards is that if the amount exceeds 6,543,800 yuan, it will be frozen if it has not been returned after two collections. Credit cards are also subject to judicial measures to prevent debtors from making compulsory collection through the legal department.

Banks regularly send reminders every month to remind customers to pay overdue debts in time, which plays a warning and reminding role for later users. According to the current overdue situation of users, different dunning methods can be adopted to warn customers that they will bear corresponding legal consequences if they do not repay in time.

(1) contents of the letter:

The credit card collection letter shall contain the following basic information: cardholder information, balance of arrears, reasons for collection, relevant rights and obligations of the cardholder, account status inquiry, repayment situation, ways to raise objections and provide relevant evidence, and bank contact information.

(2) Letters should be sent by registered mail, indicating the billing address of the credit card. SMS reminder and letter collection are the most commonly used collection methods for credit card arrears, and the collection effect is the best among low-risk users.

Telephone collection

1) The appropriate selection order of contact numbers for telephone collection is: mobile phone, work phone, home phone, immediate family phone and contact phone.

2) In the specific work, the time that the collection staff allows the cardholder to make a repayment commitment decreases with the increase of collection times.

3) When the phone is connected but the cardholder is not in, the collector should leave a message to inform the cardholder to contact the bank in time.

What are the collection methods of credit cards?

After nearly 20 years' development, credit cards have developed very rapidly now, and a huge industrial chain has been formed, and all commercial banks are striving for the market! Any financial institution, as long as it has loan business, will have post-loan management, that is, collection work, so what are the collection methods of credit cards?

1, looking for new contact information of the debtor. It is nothing more than mobile, China Unicom, telecom and three communication companies. Because the mobile phone numbers are all real names, after the collection company obtains the debtor's new contact information through some relationships, it will threaten, which is obviously illegal, and the state pays more and more attention to the protection of personal information privacy! So they claimed that it was provided by the public security organ or the investigation department. It's really nonsense! Ridiculous! This is just a reminder to the company!

2. The residential address of the delinquent. Obviously, it is not the address on the bill and the address on the ID card, but it is puzzling that I received the letter from the lawyer. At this time, the collection company also said that it was discovered by the public security organ or the investigation department, which also surprised the debtor! In fact, I used the debtor's broadband address, water, electricity and gas address, and exposed the location, that's all!

3. Collect the usage relationship of the company. Get the identity information of other relatives in the debtor's household registration book, and use the first two methods to get some clues and threaten them to repay! Similarly, it is illegal, and residents' information is protected by law!

4. Start with the company. By finding the social security relationship through the debtor himself or his family, you can know which company you are currently working in, and then go to the company to collect money, which will have an impact!

There are so many ways to collect money by credit card.

What is the credit card debt collection process?

Basic steps of credit card collection: 1. In the face of collection cases, the collection personnel must first sort out and classify themselves, be familiar with the overall situation of the case and the basic information of the debtor, and be aware of it. 2. At the beginning of collection, the general call sequence is the line unit phone, then the home phone, and finally my mobile phone; When you can't contact these, you will ask the contact person (or relatives/units) to implement the situation and tell the debtor to repay through the contact person. 3. If the debtor can't be found by the above methods, the debtor can be found on the website (or 1 14) through the information in the case database, or inquired by mobile phone or fixed telephone. 4. If the debtor cannot be found through the above methods, the company will send foreign personnel to the door and bring back the required information for convenient collection; In addition, foreign visitors play a great role in the collection process, so it can be said that the success or failure of the collection lies with foreign visitors. 5. Understand the debtor's information, and send a collection letter and a lawyer's letter to his family and work unit in turn to inform him of the arrears. 6. In the process of collection, the field staff will be responsible for sending letters, collecting at home, and implementing the debtor's information on the spot, mainly to put pressure on the debtor. Article 680 of the Civil Code prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free. Legal basis: "General Principles of Civil Law of People's Republic of China (PRC)" and "General Principles of Civil Law of People's Republic of China (PRC)" Debt is a specific relationship of rights and obligations between the parties according to the provisions of the contract or the law. Creditors are creditors and debtors are debtors. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or according to law.

How to collect credit card arrears? These methods are the most common.

In real life, there are often such a group of people who think that their cards can be overdrawn without repayment, but they don't know that they will be collected by the bank if they fail to repay after the deadline. However, the means of bank collection are endless, which makes people hard to prevent, and finally seriously affects daily life and work. Here's how the bank collects credit card arrears.

What are the common collection methods?

According to different situations, banks will have different collection plans. Let's take a look at them together.

First stage

This refers to the period from the last repayment date to the next billing date, that is, one month overdue, and the bank will remind you to repay quickly by SMS or telephone. During this period, in addition to the principal owed, there are also liquidated damages and interest.

stage Ⅱ

This refers to the second month after the deadline, that is to say, if two bills have been paid after the deadline, the bank will officially start to collect them, and you will receive a phone call from the collection staff. The amount of arrears to be paid at this stage is principal+liquidated damages+compound interest after overdue.

The third stage

At this stage, the bank will intensify the collection after three bills are overdue, not only for itself, but also call your emergency contact to remind you to repay. In addition to the pressure from the bank, you have to face the colored eyes of friends and relatives.

The fourth stage

It means that you are overdue for three months, and the bank has made effective calls and text messages for you twice, but you haven't repaid the money yet. The bank staff may come to your house to collect the money and have an interview with you. If you can't get in touch, the bank will go to your household registration and let friends and relatives tell you, which will indirectly put pressure on you.

The fifth stage

If the above collection methods fail, the bank will report the case to the police station, or directly report the case to the++overdue cardholder, and the public security organ will intervene in the investigation after filing the case. If you are found to have maliciously overdrawn, which constitutes the crime of credit card++,then you will be investigated for criminal responsibility, and you may be arrested and punished, and even need to repay after punishment.

Here's how to collect credit cards.