What should I do if the credit card legal department presses for payment?

The following methods are all designed to be used urgently when you have temporary financial difficulties and are willing to repay.

1. When you receive someone who claims to be from the legal department of a certain bank, you first ask for his employee number, and then tell him that you will record the entire conversation and then continue the conversation.

2. You have to tell him that you did not fabricate the facts or conceal the truth when applying for the credit card. It was approved by the bank and was not fraudulent!

3. You have a good desire to repay and are willing to communicate and coordinate with the bank to make a repayment plan that is acceptable to everyone. This repayment plan must be formulated based on the actual situation, not what he says. Even if you go to court and you lose, the court's enforcement division will consider the situation comprehensively.

4. If there is "external pressure" during the collection process, they will make trouble with your relatives, friends, workplace, etc. You must tell them categorically that you are an independent civil actor and your debts are personal, not your parents' or your company's. Even if you are held criminally liable, no one is jointly and severally liable.

If debt collection interferes with your normal life, you will collect evidence and file a complaint with the China Banking Regulatory Commission, and if necessary, file a lawsuit in court! You ask him, if a debt collector really makes things worse, who will suffer? If their behavior is irregular, will the bank really help them?

5. Repaying 100 every month is also a repayment! According to Article 196 of the Criminal Law, there are three elements to determine a malicious overdraft, one of which is indispensable. The first is the purpose of illegal possession, the second is failure to return after the expiration date, and the third is failure to return after collection. You returned it, but if your financial situation is not good, it does not constitute a malicious overdraft.

6. I have a friend who owes more than 4 million in loans and bank credit cards due to investment failure. First, he keeps the bank accessible to contact others at any time. Second, the banks provide symbolic payment every month. Third, he also knows the law very well. The bank's external collection agent does not dare to mess around. It has been more than a year now, and he has not seen the bank successfully register the case. Phone harassment is inevitable, but he does not dare to harass. His family is afraid of complaining! China Merchants Bank’s debt collection practices are the worst among all banks. :

1. If you are unfortunately handed over to the card suspension review department of 028, you must do what I tell you!

2. Their tone is very bad and leaves no room for negotiation. So there are a few things you should pay special attention to when you want to pay back the money but can’t do it all at once

3. Don’t tell her any information about you (because the bank already has your information) and let them go through Check with the bank yourself.

4. Especially the contact information of your family and friends. This is your personal debt and will not involve the people around you, so you have to bear it alone.

5. Don’t tell them your registered address when asked, remember! !

6. When it is very difficult, you should contact a lawyer to communicate with them! Lawyers know how to communicate with banks better than you!

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