Is Ping An Credit Card received seriously? Have you ever been a friend?

It depends, but it will still have an impact.

The early collection of Ping An Credit Card is OK. After 3 months, going to the local card center or a third-party collection company will increase strongly, and there may be door-to-door or mail. After the deadline, it is recommended to actively repay with the bank. After all, default penalty interest is relatively high among major banks.

Overdue credit cards will affect personal credit information, resulting in interest and penalty interest. If the overdue amount is large, or if it is not paid for a long time, it may be prosecuted and bear corresponding legal responsibilities. During this period, it will be confiscated, which will affect work and life. At the same time, you may also come into contact with the address book and come to you. If the credit card fails to repay on time, I will contact you by phone after repayment. Let me give you a hint.

Credit card collection is divided into in-bank collection and outsourcing collection.

Internal reminder usually means that customers who are overdue for three months are generally reminded by the bank's customer service (M0), urged by the power department (M 1 and 2) or collected at the offices of various business outlets (M3).

Outsourcing collection mainly means that the credit card center entrusts some companies (some of which are law firms) specializing in collection industry to collect some customers who are difficult to handle, have problems, lose contact or have a small amount after internal collection fails.

M0 period

It is the day after the last payment date to the next billing date. During this period, the bank records are hardly damaged, but late fees and full interest will be charged. During this period, banks generally don't call for money, but remind them by SMS platform or telephone that they are overdue!

M 1 period

It is a continuation of M0 period, that is, between the second billing date and the last payment date of the second bill, the credit record will be uploaded to the credit information system of the People's Bank of China, which is likely to affect issues such as house purchase loans or credit loans, and will also charge late fees. If it is before the second payment date, it will only be collected once, otherwise it will be collected twice, and the interest will be charged according to the compound interest of the current arrears! At this time, the bank will generally remind large customers, that is, the collection staff of the collection department of the credit card center will call to remind the repayment! Some banks don't charge money during this period, in order to earn more late fees and interest.

M2 period

It is the continuation of M 1, that is, between the third billing date and the last payment date of the third bill, the credit record of the banking industry will be stained, which will have a great impact on the loans and job hunting of larger enterprises in the future. A late fee will be charged. If it is before the third payment date, the second late payment fee will be charged. Otherwise triple, the interest will be compounded according to the current arrears! At this time, banks will generally use the method of urging repayment, and the relevant collection personnel will call to inform them of the impact of credit records, and they will contact relatives and friends of the debtor to help remind them of repayment. Some banks have a tough collection, and even some collectors pretend to be relevant lawyers to put pressure on debtors, but some banks have a lighter collection, so they only collect at this time!

M3 period

It is a continuation of M3, that is, between the fifth billing date and the final payment date of the bill, the credit record has a great influence, and the bank credit information system will be greatly stained, which will seriously affect all the businesses in the bank and prevent it from entering enterprises and institutions with strict credit information records. Late fees will be charged (some banks will stop charging). If it is before the fifth payment date, it will be charged in four installments, otherwise the interest will be charged according to the compound interest of the current arrears! (At this time, the interest rate is already very high) During this period, internal collection will be stopped, and the bank will classify the accounts: in one case, the amount is small, and the bank basically entrusts a third-party collection agency, that is, a company that collects debts for financial institutions. Generally, most of these companies are law firms, and they will come to the door. However, in this case, the staff of the bank sub-center will also make dunning, but most of them will make face-to-face repayment and contact the cardholder's residence for help, and ask their relatives and friends to inform them, indirectly putting pressure on overdue customers.

M4+ period

Overdue accounts exceeding M4 period are called M4+. In this case, most accounts can't contact the cardholder at all, or there are fake or stolen cards, or the cardholder dies or is unable to repay! At this stage, some overdue amounts are too small, but after the amount is accumulated for a period of time, the bank will sue again; The other part is suspected of a large amount (generally, the principal reaches 1 10,000 yuan or more), and the attitude of non-repayment is clearly expressed in the telephone collection. The bank or authorized client will sort out relevant information as evidence, and according to Article 196 of the Criminal Law of China [1], depending on the circumstances, some cases will be selected.