Credit card overdue

How to handle credit card door-to-door collection?

After the credit card is overdue, it is legal for the bank to visit at home. The debtor needs to pay attention to it and try his best to cooperate with the bank, but he should not be too nervous, let alone choose to escape or ignore it.

There are detailed regulations on the process of banks' overseas inspection, and it is illegal to exceed this regulation. Understanding the top-level processes of banks also helps debtors to handle their debts well.

1. Departure: The collection staff will not come to the door alone. Usually, there will be two foreign visitors at each door, carrying the debtor's credit card collection materials, letters of introduction, voice recorder and camera.

2. Notice: The bank will call the cardholder to explain the door-to-door time, and the person in charge will record the arrival time and inform the foreign visitors of the specific location and door-to-door time at any time.

3. Photographing and recording: Foreign interviewers take photos and record the surrounding environment of the target address, and record the whole process.

4. Visit: If the cardholder is found during the visit, the foreign visitor will immediately identify himself and indicate his purpose, check the customer's mobile phone, home phone number and contact address, and ask the customer to sign a reminder or lawyer's letter. If the debtor is absent and relatives or family members are present, the foreign interviewer will inquire about the relationship between the related party and the debtor in detail, understand the debtor's economic situation and current situation, ask the related party to convey repayment information and ask the related party to compensate as appropriate, and finally ask the related party to sign a dunning notice or lawyer's letter on its behalf.

If no one is at home, the interviewer will first call the cardholder's home phone to see if there is a phone in the door, and then call the debtor's mobile phone to check the home address. At the same time, experienced foreign visitors will visit and investigate around the debtor's residence, looking for the cardholder's neighbors, property, neighborhood committees, village committees, film police, security guards and so on. Collect relevant information of cardholders. If the cardholder has a fixed private email address, the foreign interviewer will put the legal notice in an envelope marked "Please don't open it unless it is my own" and put it in the borrower's email address.

Will the bank collect overdue credit cards?

Really, the bank also has a legal department. If the overdue time is too long, it will affect personal credit, and the bank will truthfully feedback the cardholder's card usage according to the requirements of the People's Bank of China. Moreover, during this period, there will be commissioners in the bank who will make dunning by SMS, telephone and door-to-door.

1. What if the credit card is overdue?

Overdue credit cards will produce bad credit records, and the following remedial measures need to be taken: 1. Pay off the arrears in time, take the initiative to explain the situation to the bank and keep the account normal. Never cancel your credit card because it is overdue, or you will lose the opportunity to repair your credit. After the expiration, we should continue to use credit cards normally, spend more, repay on time, and replace overdue records with new repayment records. Don't lose contact after the deadline, and don't let the bank think that you owe money for malicious overdraft, otherwise you may be punished by the bank.

2. What are the main features and advantages of credit cards?

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time. You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest). It is not only safe and convenient to swipe your card when shopping, but also a bonus gift. Special merchants who hold cards in banks can enjoy preferential treatment. Accumulate personal credit, add credit records to credit files, and benefit for life. Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending, so it is best not to withdraw cash, which is very expensive and uneconomical. ) credit card spending, some credit cards take existing points, various discounts and lottery activities throughout the year, as long as you use the card, you will always be surprised; (Most credit cards have no points for online payment, but online payment is very convenient and fast. ) Send the statement free of charge every month, so that you can grasp every consumption expenditure transparently. Nowadays, environmental protection is advocated, and paper statements can be changed into electronic statements. ) unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB. 400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss. Validity period: It is known that the validity period of domestic credit cards is generally three to five years. Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.

Will credit cards be accepted at home?

Credit cards may be collected at home, usually when the overdue time is long and the overdue amount is large. Because short-term credit cards are overdue, banks usually remind cardholders to repay by sending text messages or calling. If the cardholder fails to repay the loan through these methods, the bank will package it to a third-party collection company, and the collection company will also decide whether to collect it at home according to the debtor's location and amount. The more money you owe, the easier it is for your family to collect it.

Credit card overdue

1 Repay as soon as possible

I hope you can put an end to the idea that you don't have to care about the repayment time after the deadline, but you must find a way to repay as soon as possible after the deadline.

Because overdue repayment is also divided into different time periods, the efficiency of repayment as soon as possible after overdue is the lowest.

Keep the phone open and answer the customer service call.

Generally, after our overdue repayment, the customer service will call to remind us to understand the corresponding situation. The important thing is to say it three times: be sure to keep your mobile phone open and answer customer service calls.

If the mobile phone is not smooth after the deadline and refuses to answer the customer service call, it will be considered as malicious overdue by the bank. Will be punished by the bank, depending on the size of the debt and whether the final judgment needs to be punished.

3 Don't cancel the card and cancel the account.

Some will choose the most stupid method after the deadline and directly return the card and cancel the account. This will not only solve any problems, but will only add more problems to yourself.

Even after repayment, don't return the card immediately. You need to continue to use it and repay it on time. Overwrite the previous expired records with good records for future use.

4. Explain the situation in time

Whether you have repayment ability or not, you need to explain the situation to the bank in time. If it is not long, try to eliminate overdue records; If it is a long time, it is necessary to communicate and not maliciously overdue.

Communication is very important, don't give up the opportunity to communicate with the bank.

In the new regulations on overdue credit cards, the sentencing standard of credit cards will be raised from the previous 1 0,000 yuan to 50,000 yuan. If a credit card is overdue, it is likely to be investigated for criminal responsibility, especially if it is maliciously overdrawn, which constitutes a credit card.

Is it legal for credit cards to be overdue for home collection?

Illegal. 1. If the card issuing bank carries out the collection by violent door-to-door collection without any procedures such as telephone collection and informing the cardholder that it will do so, this collection method is illegal, and the object to be collected can call the police. 2. As long as it is within a reasonable repayment period and within the scope permitted by law, it is legal not to use violence, coercion, intimidation, abuse and other improper collection behaviors.

Article 1033 of the Civil Code of People's Republic of China (PRC) * * * Unless otherwise stipulated by law or expressly agreed by the obligee, no organization or individual may commit the following acts: (1) Interfere with other people's private lives by means of telephone, short messages, instant messaging tools and e-mail. ; (2) Entering, taking photos or peeping into other people's private spaces such as houses and hotel rooms; (3) Shooting, peeping, eavesdropping or revealing other people's private activities; (4) Shooting or peeping at the private parts of others' bodies; (5) handling other people's private information; (6) Infringe upon the privacy of others in other ways.

Measures for the supervision and administration of credit card business of commercial banks Article 2 Commercial banks shall strictly abide by laws, regulations, rules and relevant state policies, and follow the principles of equality, voluntariness, honesty and credibility.

This is the end of the introduction of overdue home collection of credit cards and overdue home collection of credit cards. I wonder if you have found the information you need?