Credit card collection clause of CITIC Bank

Hello: Excuse me, are you xxx? After the other party is confirmed. Hello, xxx, this is xxx from the credit card management center that cooperates with China CITIC Bank. Do you have a credit card with the suffix xxxx from Zhang Zhongxin Bank? 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 been unpaid for several months, and the amount is very large. You have been unable to generate the 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 accept credit cards:

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

2. Second, 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 overdue for more than 90 days, the bank will arrange the collection staff to collect the repayment at the cardholder's residence or work address.

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

5. Fifth, outsourcing collection. Mainly for overdue 1 year or more, the bank packages and discounts overdue funds to the outsourcing collection company, which is responsible for 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 you will be easily 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, extended information-what should I do if my credit card is overdue?

1, actively cooperate with the bank and never be judged as malicious overdraft. It is normal for the bank to collect after the credit card is overdue. Just like you owe a friend, it's the same for a friend to urge you, 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. You can take it without affecting your work and life. If it affects work and life, you can choose not to take the exam.

You can pay back a little more or less every month. In order to prevent the bank from judging that you are maliciously overdrawn, that is to say, even if you have money, you don't want to pay back the money. You can pay back some money more or less every month, even 50- 100 yuan (such repayment behavior is forbidden 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. Be sure to put down your face and let your family and friends help you find ways to collect the money. According to most banks, if you pay off in one lump sum, there is a preferential policy of reduction and exemption, that is, the bank may reduce the overdue interest and liquidated damages for you, and you can pay them back 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 the repayment cannot be made on time due to unemployment, illness or other unexpected circumstances, 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 deferred repayment and interest concessions.

5. In view of the cardholder's positive performance and previous good credit record, 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 in the 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 terminate with a card, the corresponding record will not scroll, 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, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records.