The collection staff is terrible, really? My Ping An credit card is overdue, and I will face a collection soon.

Not all collectors are terrible. For the problem that Ping An Credit Card is about to face overdue collection, it can be explained in detail from the following aspects:

First of all, the attitude and behavior of the collection personnel are diverse. Although some debt collectors may collect debts in a tough or threatening way, it does not mean that all debt collectors do. Some professional collection agencies will effectively communicate with customers through legal means, negotiate and formulate repayment plans suitable for both parties, so as to achieve the purpose of debt settlement.

Secondly, the behavior of the collection personnel is subject to certain legal restrictions. Debt collection is governed by the Contract Law of People's Republic of China (PRC) and the Civil Procedure Law of People's Republic of China (PRC). Collection personnel shall not use violence, threats, intimidation, slander and other illegal means to collect money, otherwise they will bear legal responsibility. Therefore, most collectors will work within the scope of legal compliance.

Finally, in order to avoid collection, I suggest you contact the relevant departments of Ping An Credit Card as soon as possible to explain your situation. You can negotiate a suitable repayment plan or ask for help to solve the overdue problem. Communicate with banks or institutions in advance to show their willingness to repay, which may gain more understanding and help.

To sum up, collectors are not necessarily terrible. The behavior of legal collection agencies is bound by law, and the attitude and behavior of collection personnel vary from person to person. In order to avoid collection, you can take the initiative to contact relevant departments to negotiate a suitable repayment plan. Timely communication and demonstration of repayment willingness may get more help and understanding. I hope the above information is helpful to you.

(Extended information:

Contract law and civil procedure law are one of the basic laws in China's civil legal system, which have clear provisions on contractual relations and the handling of civil disputes. According to the contract law, when the debtor fails to perform the due debt, the creditor has the right to ask the debtor to perform the debt and can take legal measures to recover. At the same time, according to the Civil Procedure Law, creditors can also bring a lawsuit to the court through litigation procedures to safeguard their rights and interests. These laws are of great significance for protecting the rights and interests of creditors and debtors. )