What is the credit card collection process?

Please refer to the following five steps for the credit card collection process: 1. When the cardholder has just overdue, the user will send a text message to remind the repayment;

2. When the overdue time is long, the customer service will call for collection;

3. Entrust a lawyer to send you a power of attorney;

4. If the cardholder is overdue for more than 3 months, the bank will entrust a third-party company to collect it;

When the collection company fails to collect the debt, the bank will sue you, and then you will go to court. Extended data

If we don't pay back the credit card we owe to the bank, we will be collected by the bank at this time. The judicial collection process of credit cards is that if the amount exceeds 6,543,800 yuan, it will be frozen if it has not been returned after two collections. Credit cards are also subject to judicial measures to prevent debtors from making compulsory collection through the legal department.

Banks regularly send reminders every month to remind customers to pay overdue debts in time, which plays a warning and reminding role for later users. According to the current overdue situation of users, different dunning methods can be adopted to warn customers that they will bear corresponding legal consequences if they do not repay in time.

(1) contents of the letter:

The credit card collection letter shall contain the following basic information: cardholder information, balance of arrears, reasons for collection, relevant rights and obligations of the cardholder, account status inquiry, repayment situation, ways to raise objections and provide relevant evidence, and bank contact information.

(2) Letters should be sent by registered mail, indicating the billing address of the credit card. SMS reminder and letter collection are the most commonly used collection methods for credit card arrears, and the collection effect is the best among low-risk users.

Telephone collection

1) The appropriate selection order of contact numbers for telephone collection is: mobile phone, work phone, home phone, immediate family phone and contact phone.

2) In the specific work, the time that the collection staff allows the cardholder to make a repayment commitment decreases with the increase of collection times.

3) When the phone is connected but the cardholder is not in, the collector should leave a message to inform the cardholder to contact the bank in time.