What if the bank says come?

Don't be afraid when you see a series. Although it is wrong to owe money, you can't be at the mercy of the other party. If the collector makes unreasonable demands, you must refuse, only accept legal and civilized collection, and call the police if necessary. Avoid direct transactions. Whether you have the money to repay or not, you can't directly pay the arrears to the collection staff. After all, you don't know whether the collector will refund the money to the bank. If you have money, you can directly return the money to the credit card in front of the collection staff, and then show them the repayment voucher.

I'd rather believe it, what's more, you owe money first. It may be true that China Merchants Bank said it would come to your home, or it may just be a routine to scare you. At present, many people have overdue credit cards for various reasons. The consequence of the overdue credit card is to continue to receive the third collection call or text message, with various contents and even intimidation. The purpose of doing this is to make you pay back the money as soon as possible. So don't take it too seriously Just wait until you really come to the door. The overdue credit card, whether voluntary or for other reasons, will not be recorded in the personal credit information system as long as it is returned within two days after the repayment date. Different banks will extend the overdue time differently, and most banks will have their own overdue extension days. For example, the cardholder maliciously overdue, for example, it will be maliciously overdue for more than three months, and then it will be overdue in large quantities or for a long time. Such cardholders will be recorded in the credit information system, and this record is difficult to eliminate. What should I do after the deadline? Don't worry. If I have just received a dunning email or text message from the bank, but I haven't received a dunning call from the bank, this situation means that I am still in the interest-free period. As soon as I received this message, I checked my credit card to see if the bill was still clear. If the payment is overdue within three months, you will definitely get a call from the bank or the third company, but your credit card has not been frozen. At this point, the cardholder should take the initiative to contact the bank to explain that he is willing to repay, and can repay in full or negotiate regular repayment.

If it has been more than three months, the credit card will be frozen and interest will be generated. At this time, the cardholder should not only return the phone number casually, but also contact the bank in time to explain his current economic situation, let the bank know that he is not in bad faith, and negotiate with the bank about the amount and time of repayment. Don't ask for cancellation of the card after all the arrears have been paid off. Call the bank for a new card after half a year. Cancel the card after several years of use. There shall be no overdue and bad records during this period.