Credit card debt collector

It's good. This job is ok, more formal, just call the collection phone every day, but there are times when people who owe money resent the collection phone. They are responsible for the risk management of bank credit card assets, urging overdue customers to repay through telephone, letter and judicial procedures, assisting them to restore their credit and preserving bank assets to the maximum extent.

I. 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. Generally, they are reminded by bank customer service (M0 period), urged by electricity (M 1 2 period) or collected at all business outlets (M3 period).

1, outsourcing collection mainly means that credit card centers entrust some customers who are difficult to handle, have problems, lose contact or have little funds to companies (some of which are law firms) specializing in collection industry after internal collection fails.

2. M 1 period is the continuation of M0 period, that is, between the second unpaid bill 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.

At the same time, a late fee will be charged. 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 compounded according to the amount owed in the current period. At this time, the bank will generally remind large customers, that is, the collection staff of the collection department of the credit card center will call to remind the repayment. Some banks don't charge money during this period, in order to earn more late fees and interest.

3. M2 period is the continuation of M 1, that is, between the third billing date and the last payment date of the third bill, the credit record will have a great impact, and the credit record of the banking industry will be stained, which will have a great impact on the loans and job hunting of larger enterprises in the future.

4. A late fee will be charged. If it is before the third payment date, the second late payment fee will be charged. Otherwise, the third time, interest will be charged according to the amount owed in the current period. At this time, banks will generally use the method of urging repayment, and the relevant collection personnel will call to inform them of the impact of credit records, and they will contact relatives and friends of the debtor to help remind them of repayment. Some banks have a tough collection, and even some collectors pretend to be relevant lawyers to put pressure on debtors, but some banks have a lighter collection, so they only collect money at this time.

How about the work of the credit card collector? Is there a future?

Nature of work: It can be cool to face customers, and you can vent freely when you are skilled \ r \ Facing leaders or pretending to be grandchildren. \ r \ Future: Any occupation is the same. If you do well, you will be promoted. The road of team leader, supervisor and manager is very difficult. \ r \ Usually you don't see them in the office, but they do exist in the company office. Sometimes you need to run outside. But I spend most of my time on the phone in the office. \ r \ nTo tell the truth, most people can't stand this job, but they can stand it, with mature minds and calm heads. When you face customers, you must be patient with their situation, so what you want to learn will be comprehensive. Including the application of credit card, the calculation method of interest, the harm of overdue, and the way and method of repayment. \ r \ The short answer is to get the money back. The process is very challenging, and you need to bring all aspects into play. You need not only professional answers, but also a grasp of people's psychology. Some people have money, but they should not pay it back. At this time, you must also find a way. You don't have to be a big shot to do this job well, but you need someone with a strong heart, especially some cases of door-to-door collection or fraud. It can exercise your strong heart. Being drenched with red oil and intimidation on TV is a bit exaggerated, but there are also many. ) \ r \ nIn short, I see that many colleagues who collect money are married, mature and have good performance. That time was very difficult. The average salary is around 8000 (just my previous reference). So, you can really do it.

Is it easy for a credit card collector?

1, the credit card collector, is actually helping the bank recover the arrears. The early collection is generally that the collector of the bank's credit control department only reminds the cardholder that the credit card has arrears and needs to be paid off by SMS or telephone; The later, the more difficult the collection, especially the outsourcing collection.

2. Subcontract collection is basically bad debts, which are difficult to recover. The collector of a collection company needs to have certain collection skills, especially to explain the overdue interest of credit cards to the other party reasonably and clearly, and to have a strong psychological attitude to face the other party's malicious words.

3. However, as a credit card collector, you must not violently collect, such as exploding the address book, destroying family property, harassing the debtor or even his family for a long time, and maliciously insulting.