How to collect CITIC credit cards?

Many people have applied for the credit card of CITIC Bank, and enjoy various preferential activities with the card. However, once the repayment is made, I find that I don't have enough repayment ability, which leads to overdue. So, what is the credit card dunning process of CITIC Bank?

How to collect CITIC credit cards?

Credit card dunning process owed to CITIC:

First of all, CITIC Bank Credit Card Center will send a short message to remind cardholders to repay. If not, it will ask the cardholder to repay on time. Once the cardholder makes overdue repayment, the credit card account will be frozen by CITIC Bank, and the arrears record may be fed back to the personal credit information system of the People's Bank of China, which will affect the cardholder's personal credit record. After three months, the bank may entrust a third party to carry out high-intensity collection. CITIC Bank has the right to bring a lawsuit to the court if the overdue time is long and the amount is large.

How to deal with credit card collection?

1. First of all, the cardholder only needs to repay normally, which is the best way to deal with it, because overdue credit card collection is at least a formal and relatively humane way. Generally, banks will arrange phone messages to remind cardholders of overdue collection. As long as they don't take the initiative to evade debts, banks won't threaten or take bad measures to treat debtors.

2. If the cardholder evades, the bank may contact the cardholder's relatives and friends or even colleagues at work. If the overdue time is too long, the bank can directly contact the third-party collection company. In this case, the normal life of cardholders and their relatives and friends will also be greatly affected. If the situation is serious, the cardholder should remember to collect evidence and report it in time.

3. If the credit card is not returned in time within the time limit, there will generally be a door-to-door collector to collect it, which shows that the overdue status of the cardholder has been more serious to some extent. At this time, repayment should be made as soon as possible to avoid bank prosecution. In case of door-to-door collection, you should negotiate with the collection staff first, and remember to keep the recording of the communication process. If you have a monthly repayment record, you can show it to the collector to prove yourself.

Another way is to call the customer service of the bank to make friendly and polite representations and try to ask the collection activities to stop. Since the repayment is overdue, it is even more important to actively collect money for repayment. It is best to ensure that the money in the card can be returned every month, indicating that the debtor is not unwilling to repay, but temporarily lacking in ability.

In reality, because it costs money to go through legal proceedings, banks usually contact cardholders first to see if they can return their credit cards. If the cardholder maliciously owes money, or can't contact him, and the credit card owes a lot, the issuing bank will generally sue the credit card for overdue.