Credit card collection clause of CITIC Bank

Hello: Excuse me, are you xxx? After the other party determines. Hello, xxx, this is xxx from the credit card management center that cooperates with China CITIC Bank. Do you have a Zhang Zhongxin Bank credit card with the suffix xxxx? Please have a look. Is this credit card overdue? Why don't you pay? (Give each other time to explain) I have a basic understanding of your situation. Your credit card has not been repaid for several months, and the amount is very large. You have been unable to generate information in the basic data of personal information of xx Bank, which is suspected of malicious overdraft. I hope you can pay off your debts in one time within three days, otherwise we will have to accept the entrustment of the bank and submit your relevant materials to the economic investigation department of the public security organ for the record.

Two. Payment method of CITIC Bank:

There are five main ways for banks to collect credit cards:

1, first, short message collection. Mainly for the cardholder's early and overdue repayment behavior, usually 7 days to 15 days overdue. SMS mainly plays a reminder function.

2. The second is telephone collection. Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle.

3. Third, collect money at home. Mainly for those overdue for more than 90 days, the bank will arrange for the collection personnel to call the cardholder's residence or work address to collect the repayment.

4. Fourth, the court sued. Mainly for those who are overdue for more than half a year, the bank will apply to the court to sue the cardholder for repayment.

5. Fifth, outsourcing collection. Mainly for overdue loans exceeding 1 year, the bank will package and discount the overdue funds to the outsourcing collection company, which will be responsible for the overdue debt collection.

6. There are various collection methods, from initial customer service to resorting to law and outsourcing collection, and the intensity is gradually increasing. The above collection methods are for reference only, and the bank will still decide which method to adopt according to the severity of overdue situation. If you receive the first collection from the bank, you must find a way to return it as soon as possible, otherwise it will be easy to be sued, and the resulting illegal record will have a great impact on the future. If you can't pay it off in one lump sum, you can negotiate with the bank for repayment.

Third, expand information-what if my credit card is overdue?

1, actively cooperated with the bank and was never judged as malicious overdraft. It is normal for the bank to collect after the credit card is overdue. Just like you owe your friend, it is the same for your friend to urge you to pay back the money, but you don't have to worry too much. After all, banks are formal financial institutions. Even if the bank entrusts the collection work to a third party, there will be no excessive behavior, which may be more frequent. At present, the collection of many banks is relatively standardized. After all, there is strict supervision. Under the premise of not affecting work and life, you can bring it. If it affects work and life, you can choose not to pick it up.

You can pay back a little more or less every month. In order to prevent the bank from judging you as a malicious overdraft, that is to say, even if you have money after overdraft, you can pay back some money more or less every month, even if you pay back 50- 100 yuan (such repayment behavior is prohibited for a long time), which can show your willingness to repay, rather than deliberately overdue.

3. Try to pay it off in one lump sum. In your case, you can't pay back the money. You must put down your face and let your family and friends help you find ways to raise money. According to most banks, if you pay off in one lump sum, there is a preferential policy of reduction, that is, the bank may reduce the overdue interest and liquidated damages for you, and you can repay them slowly from your relatives and friends. This is the fastest way to get ashore, and it will solve your troubles of being collected every day.

4. Negotiate personalized repayment according to relevant regulations. According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years. Through negotiation, the monthly repayment is between 1 1,000-2,500 yuan, so as to reduce the repayment pressure and avoid the trouble of collection and prosecution. 3. As a credit card holder, once he can't repay on time due to unemployment, illness or other accidents, before the deadline for repayment comes, the cardholder had better take the initiative to call the bank credit card center to state his financial situation, declare that he is not maliciously in arrears, and apply for delayed repayment and interest concessions.

5. In view of the cardholder's positive performance and good credit record in the past, banks often agree to postpone repayment, and negotiate with the cardholder the repayment plan, extension period, interest discount, monthly repayment amount, etc. acceptable to both parties. In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.

6. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you use a card to terminate, the corresponding records will not be scrolled, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years and maintain a good credit during the period, so that the bad records can be deleted from the credit information system by rolling records.