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

What are the ways to collect overdue credit cards from banks? Are you scared? Think carefully that banks are financial institutions under the national system, and the collection methods are all within the scope of law. As long as you know how the bank collects money and how to deal with it, you won't be afraid. After all, it's different from usury companies, so don't be afraid. Law is your weapon.

Are you scared?

Bank credit card payment method:

1, SMS collection. Mainly for the cardholder's early and overdue repayment behavior, usually 7 to 15 days overdue. SMS mainly plays the role of reminder.

(1) Normal dunning short message, the content is quite satisfactory, telling the serious consequences of arrears, plus persuasive persuasion.

(2) Edge ball dunning SMS. The content is generally in the gray area of illegality and legality. Usually on the grounds of suspected credit card fraud, cardholders are afraid to take the initiative to repay.

(3) illegally collecting short messages. Most of the content is insulting, threatening and intimidating, and most of them will bring all your ancestors with them, or make your family restless and make you unable to live. At this time, the cardholder can report the illegal behavior of the collection subject, so that the competent authority can investigate the administrative responsibility and criminal responsibility according to law.

2. Telephone collection. Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle. Usually, the collection personnel will pretend to be cardholders and their relatives to call various information service providers to gain the trust of operators and illegally obtain the personal information of cardholders without leaving any evidence. Next, as long as you have relatives, friends and colleagues, no one can escape, and Rinrin can't escape this call.

3. On-site collection. Mainly overdue for more than 90 days, the bank will arrange the collection staff to collect the repayment at the cardholder's residence or work address. Generally, the amount owed is large, or other means have no effect. However, some collectors will harass cardholders, illegally invade other people's houses, illegally detain others and pretend to be public security organs. In case of violent collection, cardholders should pay attention to evidence collection, audio recording and video recording to ensure their own safety.

4. the court sued. Mainly more than half a year overdue, the bank will apply to the court to sue the cardholder for repayment.

5. Outsourcing collection. Mainly for overdue 1 year or more, the bank packages and discounts overdue funds to the outsourcing collection company, which is responsible for overdue debt collection.

6. Crime report collection. In this case, it is useless to collect money at home, so the public security organs can only play. Usually, the crime of malicious overdraft credit card fraud is reported, accompanied by public security personnel, which has a strong deterrent effect on cardholders and will pay off the arrears as soon as possible.

7. Litigation collection. This is the last way to collect. The issuing bank brought a lawsuit to the court on the grounds of credit card dispute. If the court finds out the facts, it will make a corresponding judgment and ask the cardholder to repay on time. If it refuses to repay, the bank can also apply for enforcement according to the judgment to realize the creditor's rights.

Payment method of bank credit card

People who urgently need a bank credit card, whether you have credit problems, a job or a credit account, can't meet the requirements of all aspects of bank applications. How to solve it? Not only small series XXU469 exchange learning, fast track card, low interest and high loan, second batch and second payment are not far away.

How to deal with the overdue problem of bank credit cards;

First, you need to know:

No matter the bank or the third-party collection agency entrusted by it, when calling you, they kept saying "you are suspected of credit card fraud" and "you are going to court to sue you"

Wait, it's all to scare you. The purpose is simple. They all want to scare you and make you pay back the money as soon as possible.

Therefore, when you receive a similar call, you should first straighten your mind and don't be afraid.

Then there are some communication skills.

Basically, you have to deal with it according to your actual repayment ability.

In short, don't let them always lead you by the nose.

You have to believe that banks are also commercial organizations that open their doors to do business, and they can make money, but they also have to bear the commercial risks of not receiving money.

Although it is wrong to owe money, they don't need to insult people by asking for money.

Therefore, you can ask them to reduce fees and pay back in installments according to your actual income ability.

Some banks will definitely agree. For those who disagree.

You can try to guide them to court proceedings, because in the case of owing money, it must be in your best interest to go to court for trial.

Some people will be annoyed by the phone. There is a basic principle in this situation: you can be inconsistent, you can't always answer!

How to deal with the overdue problem of bank credit cards

Finally, Bian Xiao hopes that everyone can rationally face the way of bank collection, neither fear nor stubborn confrontation, and pick up the right methods and legal responses.

Choose the right method and legal response.