Can I refuse the bank's third-party collection?

Bank third-party collection can be refused. After the credit card is overdue, you must communicate with the bank and try to avoid communication with third parties, because many third parties have no bottom line, no morality and are full of routines. Only through the formal channels of bank negotiation is the right way. After the deadline, you can refuse to accept any third-party collection, and choose to communicate with the bank to negotiate repayment matters and pay off the arrears as soon as possible.

Credit cards should be used normally according to the application conditions at that time, and they should be repaid according to the bill amount every month. Due to personal reasons or other major social events, the credit card is overdue. You can contact the bank at the first time and negotiate repayment with the bank. Some banks will resell the information of credit card debtors to a third party, and the third party will collect debts to reduce the workload of bank collection.

1. Article 13 of the Notice of China Banking Regulatory Commission on Further Regulating Credit Card Business stipulates that banking financial institutions should prudently implement outsourcing of collection. Banking financial institutions that implement collection outsourcing should establish corresponding business management systems, and clarify the selection criteria, business training, legal responsibilities and economic responsibilities of collection outsourcing institutions. The selected outsourcing agency for collection should be approved by the senior management of the domestic headquarters of the agency, and a collection outsourcing contract with perfect management and clear responsibilities should be signed, and the commission should not be paid from the recovered arrears simply by way of commission.

2. The malicious overdraft of credit card refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Under normal circumstances, malicious overdraft is a breach of contract, and you need to bear the liability for breach of contract according to the credit card collection contract. Generally speaking, malicious overdraft of credit cards will leave a bad credit record in the issuing bank, which will affect the personal credit of cardholders. The time limit and the longest overdraft period for calculating credit cards are 60 days.