1069 is it true that my Ping An credit card violated the credit card collection contract?

First, it is obviously not valid to be sued for overdue credit cards beginning with 1069. This is only a collection method for cardholders by a third-party collection platform, and it is not a real court lawsuit. If the credit card is overdue for a long time, the bank will entrust a third-party platform to call the cardholder for dunning. In the process of collection, as long as the cardholder does not escape and lose contact, does not turn off his phone and disappear, and does not evade collection, then there is no need to worry about being sued and imprisoned. For the collection call, the cardholder can answer it appropriately. As long as he answers, he won't keep calling. If he wants to stop collecting money, it is best to repay it in full or in installments, and pay a little each month, so that the bank can see that the cardholder has the willingness to repay, and he will stop collecting money. Second, how to distinguish between true and false overdue text messages?

1. Short messages with relevant contents such as public security organs and courts among overdue short messages are basically fake.

2. As long as there are short messages about wanted, broken promises, old lai and other related contents in the overdue short messages, they are basically fake.

3. As long as the overdue text message sent by a private number is related to the prosecution of imprisonment, it is basically false.

4. As long as there is a threat in the overdue text message, it is basically fake to let you contact Director XX.

5. Those overdue short messages starting with 1069 are basically sent by commercial short message platforms, and they are also fake.

Third, how to remedy the overdue credit card?

1. Minimum monthly repayment: After the credit card is overdue, try to pay the minimum monthly repayment, so that the bank will not keep receiving and sealing the card when it sees the cardholder's willingness to repay.

2. Apply for deferred repayment: At present, most banks have introduced deferred repayment policies. If you meet the relevant policies, you can take the initiative to call the credit card powder to apply for deferred repayment.

3. Negotiated installment repayment: The cardholder's credit card is overdue for a long time, and he can't pay off all the debts at one time, but he still has the repayment ability, so he can apply to the bank for negotiated installment repayment. After reaching a repayment agreement with the bank, you can repay the loan on time every month according to the agreement.

The above is the introduction of 1069, which says that the credit card will be sued if it is overdue. After the credit card is overdue, the bank will take various collection methods to recover the arrears. In order to avoid affecting daily life, it is best to make up the arrears as soon as possible after discovering the overdue. If you can't pay it off for a while, you can consider the turnover of friends and relatives, pay off the credit card debt first, pay off the debts of friends and relatives, and try to make money.