How can I accept credit cards if I don't?

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 arrears at this stage are compound interest generated by default interest on overdue principal.

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 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 a credit card crime, then you will be investigated for criminal responsibility, and you may be arrested and punished, and even need to repay after punishment.

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 in People's Republic of China (PRC) and General Principles of Civil Law in 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.

What are the serious consequences of overdue credit cards? What measures will the bank take to collect the arrears?

What are the most serious consequences of overdue repayment of credit cards?

1 has a serious impact on future loan and credit card applications.

After the credit card is overdue, the bad credit records will be uploaded after the repayment date or grace period, and the bad credit records will generally be eliminated once every five years. Now is the credit society. To apply for various formal loans and credit cards, the first step is to check the applicant's credit information. For users who have "three times and six times", they will generally refuse.

2. Generate high penalty interest.

Credit card consumption is a kind of credit loan behavior. After the credit card is overdue, the penalty interest will be calculated from the overdue date. With the long overdue time, the penalty interest will gradually increase, which will further increase the pressure on cardholders to change their cards.

3. Personal credit information is tainted and even affects family members.

Bad credit records will be uploaded after the credit card is overdue, leaving a stain. If the overdue amount is large and the overdue time is long, it is likely to be included in the list of untrustworthy people, which is also commonly known as "Lao Lai". If you are married, it will have a serious impact on buying a house in the future. Married people need to check the credit information of both parties when buying a house, and one party cannot successfully review the loan because of the credit information problem. In addition, many aristocratic schools may also need to check parents' credit information now. If the credit information is not good, they will reject their children's application for admission. After becoming "Lao Lai", it will have an impact on all kinds of large-scale consumption, flying and high-speed rail.

4. Risk of going to jail

According to the relevant regulations, the overdue amount of the cardholder exceeds 50,000 yuan, which has reached the filing standard. At that time, cardholders need to bear criminal responsibility. In other words, if the bank files a criminal lawsuit, the cardholder may face jail time, and those who have been in jail generally have criminal records, which will also affect the children's future examination of civil servants and soldiers. If the bank brings a civil lawsuit against the cardholder, then the cardholder does not need to bear criminal responsibility.

Users can generally go to Yingxin to get personal credit big data report, check the loan record, whether it is overdue, whether it is blacklisted and so on.

Extended data:

What are the dunning methods of banks?

The first type: telephone collection method.

This is an overdue behavior that exceeds one billing cycle.

The second type: SMS collection method.

This kind of collection is aimed at the cardholder's past overdue repayment behavior, generally within 15 days, and reminds the cardholder or relatives by SMS.

The third type: letter collection method.

Send it by registered mail.

The fourth type: door-to-door collection.

Regular door-to-door collection, including sending letters, looking for family members, looking for relatives, looking for unit leaders, and exerting pressure through these people.

The fifth way: Tao.

This kind of overdue behavior is aimed at more than half a year and the amount is large, and the bank will apply to the cardholder for repayment.

Sixth: outsourcing collection methods.

In view of the serious overdue situation, no collection means can recover the arrears. The bank will hire a special collection company for collection.

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;

When the collection company can't collect the debt, the bank will pay it back to 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 about the door-to-door collection of credit cards? Introduction of credit card collection process

Credit card consumption has become the norm in people's lives. Now most people use credit cards to spend first and then repay. However, many people become slaves and face bank collection because they don't use credit cards properly and can't afford them. And many people come to ask: what about credit card home collection? I will answer your question today.

What is credit card collection?

Credit card collection is actually a means for banks to remind overdue customers to pay off their credit card debts as soon as possible.

Introduction of credit card collection process

1. SMS collection: When you are just overdue for a long time, the bank will send a SMS to remind you to repay as soon as possible.

2. Collection: If your credit card is overdue for about one month, the bank will ask the customer service staff to call you for collection.

3. Urge to receive the letter: If your credit card is overdue for a long time, such as one or two months, the bank will inform you and send you a lawyer's letter to let you repay as soon as possible.

4. Door-to-door collection: If it is overdue for 3 months, the bank will entrust a third party, that is, the collection company will collect it at home. This kind of collection method is relatively bad, which has a serious impact on personal life.

If the bank adopts the above methods, and you still don't pay back, or you lose contact, the bank will seek to file a lawsuit to make you pay back.

What about the door-to-door collection of credit cards?

Credit card home collection shows that your overdue situation is quite serious. If you encounter door-to-door collection, you can repay as soon as possible. It's best to negotiate with the bank and try to pay it back every month even if it can't be paid off in one lump sum. As long as you are paying back, the bank won't be too hard for you.

The above is about "credit card door-to-door collection". What should I do? Answer, it also summarizes the bank's collection process for credit cards. Like door-to-door collection, it is generally 90 days overdue. If it is overdue, it must be returned as soon as possible. Even if you don't know for a while, you should ensure that you are paying back every month instead of choosing to escape, otherwise it is likely to be caught by the bank.

Let's stop here for the introduction of how to collect money before credit card repayment.