Will the credit card be taken home if it is overdue?

CCB generally doesn't collect credit cards at home, and the credit card collection department of CCB reminds repayment by SMS, telephone and other forms in the early stage of overdue credit cards; If it is overdue for more than 3 months and the debtor has no willingness to repay, and the amount involved is large, it is likely to be sued in court; If the amount involved is not particularly large or small, CCB may entrust the collection task to a special collection company, and it is not sure whether it will be collected at home.

If the debtor is harassed at home and is suspected of violent collection, he can keep the evidence so that he can call the police for help, but he still has to pay back the money.

What are the methods to deal with illegal collection? The following methods are all effective:

China Banking and Insurance Regulatory Commission complained.

In fact, as early as 20 18, the China Banking Regulatory Commission, together with the Ministry of Public Security, the State Administration of Market Supervision and the People's Bank of China, jointly issued the Notice on Regulating Private Lending to Maintain Economic and Financial Order. Article 5 of the Notice clearly stipulates that illegal means such as intentional injury, illegal detention, insult, intimidation, threat and harassment shall be severely cracked down on loan collection.

Because all banks and financial insurance companies are supervised by CBRC, if debtors encounter violent collection, they can directly search the official telephone number of the local banking regulatory bureau to make a complaint. This way is more effective.

Internet Finance Association complaints

If the debtor encounters illegal collection on the online loan platform, he can search official website, a mutual fund association, where there is a special online loan reporting entrance. At this entrance, you can upload agreements, contracts, chat records, pictures and other evidence to reflect the relevant situation, but you must go to the real-name registration system. Usually a staff member will contact you later. In addition, you can use the form of regional+internet finance association to find a local branch, there will be a contact number, you can call directly for consultation.

Generally, when you encounter a collection call, you should first record the call and ask the name of the collection company. If you call more than 5 times a day, or call the work unit outside 8 am to 6: 30 pm, keep the evidence and complain to the CBRC and the Internet Finance Association. If he doesn't tell you the lawyer number, he can complain to the Bar Association and the Justice Bureau.

Call 1232 1 to complain.

1232 1 Telephone mainly solves the problems of SMS and telephone bombing, and reports fraudulent calls, harassing calls, spam messages and bad apps. However, this channel is highly mechanized in solving problems, which may have an impact on your verification code and phone number. In addition, if the above-mentioned departments fail to investigate, handle or reply to the feedback within 7 working days according to law, they can complain about their "administrative inaction" to the National Complaints Acceptance Office of the State Administration for Letters and Calls, which is also a relatively reliable complaint channel.

You can choose to sue.

When you encounter illegal and violent collection, a debtor must first learn to take up legal weapons to protect himself. In case of violent collection, collect evidence first, and then directly sue the online lending platform. Many people may think that online loan collection is generally outsourced. Why directly sue the online lending platform instead of suing the collection party? That's because our National Internet Association has regulations that all online lending platforms must be responsible for the actions of collectors.

You can call the police.

When the debtor encounters threats, changes the telephone number or disguises the bank number or 1 10 number by using communication equipment, he directly complains to the local credit bureau and reports the case, provided that the evidence must be kept. For violent collection such as door-to-door collection, blocking the keyhole, posting debtor information, painting, etc., first, we must keep the evidence and report it to the police immediately, and second, we must report it to the local real name. When you come to collect debts, as long as there are more than three people at home, you can invite them into your home and call the police immediately.