Is it true that the credit card is overdue and foreigners come to collect evidence?

1. Is it true that foreigners with overdue credit cards come to collect evidence?

According to the curre

Is it true that the credit card is overdue and foreigners come to collect evidence?

1. Is it true that foreigners with overdue credit cards come to collect evidence?

According to the current laws of our country and the relevant regulations of the People's Bank of China, it is pointed out that under any circumstances, as long as the credit card of the credit card holder fails to return it within the time limit, the issuing bank has the right to safeguard its legitimate rights and interests, and it is reasonable to collect debts from the debtor, including legal collection means.

Under normal circumstances, it is rare for bank expatriates to collect evidence at home. However, this situation cannot be ruled out, because some debtors with overdue credit cards are not aware of repayment, which leads to long-term overdue credit cards and huge losses to banks. In order to safeguard their legitimate rights and interests, banks can send legal expatriates to collect evidence in cooperation with the public security.

2. What should foreigners do when their credit cards are overdue?

We should be calm about the behavior of foreigners who come to collect evidence when their credit cards are overdue, because after all, we owe the bank money first, and we have delayed the repayment. It is also reasonable for banks to take evidence to recover their losses in order to safeguard their legitimate rights and interests.

Besides, the credit card is overdue. Bank expatriates to collect evidence must be legal and compliant. If foreigners come to disturb the normal life of their family and friends, they threaten their family and friends in words or actions. Then this method is definitely illegal. We can keep the evidence of its illegal behavior and take legal measures to further safeguard our rights and interests.

Third, how long will the overdue credit card be suspended?

At present, according to the practice of China's commercial banks on deactivating credit card accounts, credit cards are usually frozen and stopped only if the overdue period is very serious. Another reason is that if the repayment is overdue for more than three months, it may be closed by commercial banks.

Under normal circumstances, if you have not paid off your credit card debt for three months overdue, the commercial bank will suspend the use of your credit card account first. Different commercial banks here use this indicator differently. Some commercial banks even say that your account will be frozen two months after the deadline, such as China Merchants Bank.

Don't worry about overdue debts. One-on-one legal affairs will work out a solution for you.