On which platform is Shanghai 02 1 collected?

Maybe it's China Post. It belongs to the bank. Generally 02 1.

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.

M 1 period is the continuation of M0 period, that is, between the second unpaid 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 the housing loan or credit loan and other issues, and a late fee will be charged at the same time. 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 collector of the collection department of the credit card center calls to remind the repayment! Some banks don't charge money during this period, in order to earn more late fees and interest. "

What happens if you don't borrow money?

1. If a lending institution or bank fails to perform the judgment of the court within the performance period after winning the case in court, it will apply to the court for enforcement.

2. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law.

3. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody.

4. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.

Second, if a banking institution owes a bank loan, it will take a series of measures, as follows:

1. The bank will call the borrower to collect debts.

2. If the borrower still fails to repay the debt after debt collection, there will be a certain penalty interest and a bad credit record for himself.

3. If the borrower still fails to repay the loan, the bank will send relevant staff to collect it in person.

4. If the borrower fails to repay the loan until the end, the bank will take legal measures to protect its rights and interests through law. If the borrower applies for a mortgage loan, the collateral will be auctioned by the court, and then the proceeds from the auction will be used to repay the loan.

Third, overdue loans

According to the relevant provisions of the Contract Law, the borrower fails to repay the loan within the time limit stipulated in the loan contract, which is a breach of contract and should bear the liability for breach of contract. The ways to bear the liability for breach of contract include returning the loan principal, paying the interest during the loan period agreed in the contract and paying the interest of loans overdue.

Repaying the loan principal and paying interest within the loan period agreed in the contract will generally not cause disputes because the parties have clearly agreed in the loan contract; There is a great dispute between the parties about the interest on overdue loans, and the standards applied by judges in hearing such cases are not uniform, which affects the authority of the law. Lawyers believe that it is necessary to integrate this issue so that everyone's understanding can be unified.

The funds invested by banks in such loans may or may not be recovered in the future. There is a great possibility of losses, and commercial banks usually have to impose a penalty interest on such loans. Overdue loans are the problem assets of banks. Commercial banks should maintain a high capital reserve, and the reserve ratio is generally 50%. "