How to solve the problem of foreign tourists coming to the door

The solutions for visiting foreign tourists are as follows:

1. If the bank's collection staff comes to collect money, if the collection staff has a good attitude, don't have unnecessary conflicts with the collection staff, and don't play missing, because as long as the debtor repays as usual every month after the deadline, there is nothing to worry about;

2. If an individual has financial problems and can't repay all the money, he can negotiate with the bank and ask the bank to extend the repayment period or reduce the interest, but he must not avoid the bank's collection, so the interest on the credit card will only increase.

The credit card cannot be paid. Can I apply for a new card?

You can still apply for a credit card when it is overdue. The risk control standards of each bank are different. If the overdue situation is not serious and has been paid off, the bank may still approve the card. If the overdue situation is malicious overdue, the bank will reject the credit card application if the arrears are still outstanding when applying for the credit card. Bad credit records caused by overdue repayment of credit cards will be kept in the credit information system for five years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time. 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 stick to it and maintain a good credit during the period, so that the bad records can be slowly improved from the rolling records in the credit information system. If the credit card is overdue, it is necessary to repair the bad records in time and take remedial measures.

To sum up, after the credit card or loans overdue, the issuing bank can take legal measures to collect the money, such as calling the debtor, sending short messages, or sending foreign visitors to the debtor's home to collect the money directly, but foreign visitors should not use violence or coercion when collecting the money, otherwise the debtor can call the police.

Legal basis:

Article 675 of the Civil Code of People's Republic of China (PRC)

The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.