Credit card collection

What are the main ways for banks to collect credit cards?

Credit card collection is divided into internal collection and outsourcing collection. Internal collection usually refers to customers who are overdue for less than three months, usually by bank customer service reminder (M0 period), electric reminder (M 1 2 period) or door-to-door collection at all business outlets (M3 period)!

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.

Type:

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!

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, for three times, the interest will be compounded according to the current arrears.

M3 period

It is a continuation of M2, that is, between the fourth billing date and the last payment date of the fourth bill, the credit record has a great influence, and there will be a big stain in the bank credit information system, which directly affects all kinds of business in the bank. Enterprises that can't get in, especially public servants, are very strict with the credit information record.

M4 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 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 four times. Otherwise, compound interest will be charged for the current arrears.

What are the collection methods of credit cards?

1, SMS 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. Telephone collection. Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle.

3, door-to-door collection. 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. The bank will apply to the cardholder for repayment if the payment is overdue for more than half a year.

5. 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.

How to solve the problem of credit card call collection?

The solution is as follows:

1, active communication

When the borrower receives a collection call, he must not blindly avoid it, which will only make more and more collection calls. What matters is the borrower's repayment attitude and willingness. The borrower can choose to contact the collector actively to show his current situation and then inform the collector of his current income.

It is best to make a more detailed repayment plan and negotiate with the collection staff. After all, the original intention of the collectors is to recover the arrears. As long as the borrower has a good repayment attitude, the collection staff will not increase the difficulty.

Step 2 exist

If the borrower really doesn't want to be harassed by the collection staff, he can ask the lending institution himself. When the borrower is rejected, it will organize the borrower to negotiate with the lender and also discuss the application for extension or interest reduction. And after the mortgage, corresponding adjustment measures will be made according to the borrower's economic situation.

3. Payee

If the collection staff keeps calling the borrower's phone, or even frequently contacts the borrower's family, friends or units, it is equivalent to "soft violence collection". Soft violence collection has been punished, and the borrower can choose to collect relevant evidence by means of recording, short message screenshot, etc., and directly collect the personnel.

The main features of credit cards:

1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash and currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and social needs.

Main types

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

How to collect credit card arrears? These methods are the most common.

In real life, there are often such a group of people who think that their cards can be overdrawn without repayment, but they don't know that they will be collected by the bank if they fail to repay after the deadline. However, the means of bank collection are endless, which makes people hard to prevent, and finally seriously affects daily life and work. Here's how the bank collects credit card arrears.

What are the common collection methods?

According to different situations, banks will have different collection plans. Let's take a look at them together.

First stage

This refers to the period from the last repayment date to the next billing date, that is, one month overdue, and the bank will remind you to repay quickly by SMS or telephone. During this period, in addition to the principal owed, there are also liquidated damages and interest.

stage Ⅱ

This refers to the second month after the deadline, that is to say, if two bills have been paid after the deadline, the bank will officially start to collect them, and you will receive a phone call from the collection staff. The arrears at this stage are compound interest generated by default interest on overdue principal.

The third stage

At this stage, the bank will intensify the collection after three bills are overdue, not only for itself, but also call your emergency contact to remind you to repay. In addition to the pressure from the bank, you have to face the colored eyes of friends and relatives.

The fourth stage

It means that you are overdue for three months, and the bank has made effective calls and text messages for you twice, but you haven't repaid the money yet. The bank staff may come to your house to collect the money and have an interview with you. If you can't get in touch, the bank will go to your household registration and let friends and relatives tell you, which will indirectly put pressure on you.

The fifth stage

If the above collection methods fail, the bank will report the case to the police station or directly to the overdue cardholder, and the public security organ will intervene in the investigation after filing the case. If you are found to have maliciously overdrawn, which constitutes a credit card crime, then you will be investigated for criminal responsibility, and you may be arrested and punished, and even need to repay after punishment.

How about credit card collection?

It's good. This job is ok, more formal, just call the collection phone every day, but there are times when people who owe money resent the collection phone. They are responsible for the risk management of bank credit card assets, urging overdue customers to repay through telephone, letter and judicial procedures, assisting them to restore their credit and preserving bank assets to the maximum extent.

I. Credit card collection is divided into internal collection and outsourcing collection. Internal collection usually refers to customers who are overdue for less than three months. Generally, they are reminded by bank customer service (M0 period), urged by electricity (M 1 2 period) or collected at all business outlets (M3 period).

1, outsourcing collection mainly means that credit card centers entrust some customers who are difficult to handle, have problems, lose contact or have little funds to companies (some of which are law firms) specializing in collection industry after internal collection fails.

2. M 1 period is the continuation of M0 period, that is, between the second unpaid bill 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 the housing loan or credit loan.

At the same time, a late fee will be charged. 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 compounded according to the amount owed in the current period. 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.

3. M2 period 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 will have a great impact, and 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.

4. A late fee will be charged. If it is before the third payment date, the second late payment fee will be charged. Otherwise, the third time, interest will be charged according to the amount owed in the current period. 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 money at this time.

What are the collection methods of credit cards?

After nearly 20 years' development, credit cards have developed very rapidly now, and a huge industrial chain has been formed, and all commercial banks are striving for the market! Any financial institution, as long as it has loan business, will have post-loan management, that is, collection work, so what are the collection methods of credit cards?

1, looking for new contact information of the debtor. It is nothing more than mobile, China Unicom, telecom and three communication companies. Because the mobile phone numbers are all real names, after the collection company obtains the debtor's new contact information through some relationships, it will threaten, which is obviously illegal, and the state pays more and more attention to the protection of personal information privacy! So they claimed that it was provided by the public security organ or the investigation department. It's really nonsense! Ridiculous! This is just a reminder to the company!

2. The residential address of the delinquent. Obviously, it is not the address on the bill and the address on the ID card, but it is puzzling that I received the letter from the lawyer. At this time, the collection company also said that it was discovered by the public security organ or the investigation department, which also surprised the debtor! In fact, I used the debtor's broadband address, water, electricity and gas address, and exposed the location, that's all!

3. Collect the usage relationship of the company. Get the identity information of other relatives in the debtor's household registration book, and use the first two methods to get some clues and threaten them to repay! Similarly, it is illegal, and residents' information is protected by law!

4. Start with the company. By finding the social security relationship through the debtor himself or his family, you can know which company you are currently working in, and then go to the company to collect money, which will have an impact!

There are so many ways to collect money by credit card.

So much for credit card Cui Shoujie.