Is it legal for foreign tourists with overdue credit cards to collect money at home?

1. Is it legal for foreign tourists with overdue credit cards to collect money at home?

After the credi

Is it legal for foreign tourists with overdue credit cards to collect money at home?

1. Is it legal for foreign tourists with overdue credit cards to collect money at home?

After the credit card is overdue, the bank has the right to recover the debt from the cardholder, and many people ignore the collection. In order to save the cost of prosecution, banks usually outsource to a third party, which is a legal authorized agency relationship. Third parties tend to be more frequent and the forms of collection are more diverse.

In fact, it is not popular to collect money at home now, unless it involves a large amount and deliberately changes the number. However, you don't have to panic all day. Now it is a society ruled by law. As long as the door-to-door visit is within the scope permitted by law, it is legal not to take improper collection actions such as violence, coercion, intimidation and abuse.

Second, how many days is the grace period for overdue credit cards?

The regulations of various banks are not uniform, and the tolerance period of most banks is 2-3 days, which means that repayment within 3 days will not be regarded as overdue and will not affect credit reporting. Among them, the tolerance period of CCB is relatively long, with a grace period of five days, while the platinum card users of Bank of China even have a grace period of nine days for repayment.

We'd better know the rules of their card type. It is worth noting that China Industrial and Commercial Bank has no grace period for repayment. Once overdue, you can make a credit inquiry. It is best to repay on time. If you are in temporary financial difficulties, choose the lowest loan repayment for emergency.

Third, how to negotiate repayment with the bank when the credit card is overdue.

If your credit card is overdue, you can prepare to negotiate with the bank. But the premise is to actively handle the collection and express a positive willingness to repay, and you can't let the bank contact you. You can take the initiative to negotiate with the bank payee or the staff of the credit card center of the issuing bank.

When negotiating, you should explain your economic situation in detail and explain the difficulties encountered in the repayment process. Be modest when communicating, show your attitude, and don't maliciously overdue. If due to special reasons such as unemployment or serious illness, you can usually apply for suspension of interest payment and repayment in 60 installments at the longest.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.