What if Ping An Bank sends a message saying that I maliciously evade the arrears?

Hello, I suddenly received a short message from Ping An Bank today, saying that I was seriously overdue. What happened?

This is a scam message. Don't click on the link. You can directly call Ping An Bank's customer service hotline 955 1 1-3 (bank loan) /955 1 1-2 (credit card) to verify the accounting situation. If it is really overdue, the bank will call you, but it will not send a message. If in doubt, you can call the bank to confirm.

I. Serious consequences of overdue credit cards:

1, resulting in overdue interest and late fees;

2. Bad credit record;

3. Banks will collect money and may face criminal problems.

Second, the credit card overdue solution:

1. If the cardholder forgets to repay and finds it overdue, he must repay as soon as possible, preferably in full. Call the bank's credit card center and declare the non-malicious arrears. If the overdue time is short, the bank may not calculate the bad record;

2. When the credit card cannot be repaid due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center to explain his financial situation, declare that he is not in bad faith, and apply for deferred repayment or installment repayment;

3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to defer repayment, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;

4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the credit card overdue repayment record will be kept in the credit information system for two years. If the card is found to be cancelled directly after it is overdue, the information will not scroll, but will be kept for a long time. Therefore, after the cardholder is overdue, it is best not to cancel the credit card immediately. It is best to stick to it for more than 2 years and then maintain a good credit record.

Credit card application review is a comprehensive evaluation. Generally, there are many factors that can be referenced in the review, such as the nature of the customer's work, education, income, personal stability, personal social credit, and the use of other financial products. The result of this audit may be that the personal information provided at the time of application failed to fully show personal financial resources and personal social situation, which led to the failure of this application. You can reapply after 3-6 months.

Is it true that Ping An Bank's credit card was overdue for more than a year and sent a short message saying that it would lead legal reporters to collect and verify the evasion and repayment?

False, there is no doubt about it. Regular third-party collection company. However, after the deadline, we still have to find a way to solve the problem. The more penalty interest is accumulated, the worse the credit information is. If the amount is too large, we will face criminal responsibility.

Ping An Bank sent a short message for dunning. The thing is, I owe the bank more than 3W, and the bank has also sent several envelopes for dunning. Today, I sent a message. Should I?

Ping An Bank sends a text message for dunning, then you should

1. It is suggested that you immediately deposit enough funds into the repayment account according to the loan contract of Ping An Bank, so as to ensure that the full amount can be deducted successfully on the repayment date. If the full deduction on the repayment date is unsuccessful, overdue records will be generated.

2. If you can't repay on time due to unemployment or illness, you should take the initiative to state your financial situation to the bank and declare that you are not malicious, and you can apply for deferred repayment and interest concessions. When the credit card can't repay on time, it will not only generate interest and liquidated damages, but also affect the personal credit record and personal credit or financial business in the future. So whether you borrow money or not, you should pay it back at once.

Ping An Bank's products and services:

1, retail business

In terms of retail business, Ping An Bank of Shenzhen took the lead in launching a composite electronic debit card integrating ic chip and magnetic stripe in China, and took the lead in launching a dual-currency international debit card. In August, 2007, Jixiang Debit Card, a comprehensive service product integrating deposit and withdrawal, POS consumption, payroll payment, online payment and wealth management, was grandly launched. Shenzhen Ping An Bank has also launched special service products such as Express, Express Rail and Hong Kong Stock Connect. In addition, following the launch of Yingfeng series of wealth management products, Ping An Bank launched a brand-new wealth management service brand "An Ying Wealth Management" for high-end individual customers, so that the bank's VIP customers can enjoy all-round wealth management value-added services with peace of mind.

2. Credit card business

In terms of credit card business, Shenzhen Ping An Bank attaches great importance to credit card business. On May 2, 2007, KLOC-0, jointly launched "China Ping An Wanlitong Co-branded Credit Card" with China Ping An Group. In August 2007, "Ping An" credit card was launched. Shenzhen Ping An Bank is committed to building a "Ping An" credit card, providing cardholders with all-round security protection of "consumer safety, home safety and travel safety", so that cardholders can feel "one card accompanied by peace" anytime and anywhere.