What does it mean to prove when you receive a mobile phone message at home?

The purpose of overdue home visit by credit card is to confirm and verify identity information, and also to collect it. Under normal circumstances, banks adopt the principle of "three times a week, six times a year" to deal with overdue credit cards. If the credit card is overdue for three consecutive months or six consecutive months, the bank will carefully consider the personal loan application and generally will not approve the loan easily. If they fail to reach this range within the time limit, they can still get the loan approval smoothly as long as they give a reasonable explanation, provide personal credit certificate and let the bank re-evaluate personal credit.

I. Purpose of overdue home visit by credit card

Check each other's identity first! The vast majority of home visits are third-party collections outsourced by banks. At first, the other party will force the user to repay the money on the grounds of home visit. If it is an appointment with the user, it will rarely come to the door. The real door-to-door visit is generally a "surprise attack." The constitution protects everyone's home from infringement! If the user refuses to enter the house, the other party is afraid to enter. Users can also say that there are elderly people in poor health at home. If stimulated, the user takes responsibility and the other party will naturally converge.

Second, the credit card is overdue

1. will generate overdue interest, liquidated damages and other expenses. If the credit card is overdue, the interest will be calculated from the day when the card is swiped. Generally, the daily interest is five ten thousandths, and the compound interest is calculated monthly. The liquidated damages are generally 5% of the unpaid part of the minimum repayment amount.

2. Bad credit record: after the deadline, the personal credit report will produce bad records, which will affect the future loan application.

3, may face criminal responsibility: if the long-term overdue and overdue amount is large, then you may receive a reminder from the bank; If the bank still fails to repay the arrears after being reminded, it may face criminal responsibility.

To sum up, compliant home visits only verify the situation, agree on the repayment time and so on. The other party is usually two people, and it is also the whole recording. Some emotional netizens will say that if the other party comes to you, it will be too extreme. If the other party is really threatening, you must control your emotions and avoid unnecessary troubles caused by the escalation of contradictions. Just call the police.