Conventional means of credit card outsourcing collection

What means are used to collect Ping An credit cards?

First, short message collection. Generally speaking, many platforms will have this SMS reminder. Once the repayment time is approaching, there will be this reminder message. These short messages are set up in their systems and will be automatically sent to cardholders or debtors, informing them to prepare funds in time, and then they can deduct money on time, so as to avoid that some people are too busy to forget the problem of group funds and affect their credit and their capital flow.

Second, telephone collection. Generally speaking, the platform is reluctant to call for collection, mainly because after the 1 SMS collection, Wu and then their staff will call for collection. Generally speaking, those who are collected by telephone are overdue, and some will be overdue by 7~ 15 days or even 30 days, so they will call for collection, hoping that the debtor can pay off the debt in time.

Third, door-to-door collection. They will only use this kind of door-to-door collection when SMS collection and telephone collection are ineffective, but most of the door-to-door collection is aimed at the fixed assets of cities, and people with fixed real estate will use this kind of door-to-door collection, which is basically not used in rural areas.

Fourth,. This is also their last resort, but also to confirm the debt, so as not to have no legal effect after the deadline. Generally speaking, it is also a large quantity. It is reasonable for them to safeguard their legitimate rights and interests by judicial means. Of course, in order to avoid entering Lao Lai's list, if they have the ability, they should also repay in time so as not to affect their credit information.

Fifth, outsourcing collection. Outsourcing collection, then there are many ways to transfer the arrears to the outsourcing agency for collection, but outsourcing is generally annoying and easy to have a great impact on life. I advise you to repay on time and spend rationally.

20,000 cards of China Bank were overdue 15 months, and the outsourcing company collected them. Unable to repay in one lump sum, the bank refused to pay in installments. What will happen if I do it every month?

It is suggested that you make repayment as soon as possible, so as to avoid more extra expenses. Your repayment will be submitted to the personal credit information database of the People's Bank of China in a timely, objective and true manner.

If you have other business needs, please download the mobile banking APP of Bank of China or follow "Bank of China Micro-Banking" on WeChat to continue consulting and handle related business.

If you have other business needs, please download the mobile banking APP of Bank of China or follow "Bank of China Micro-Banking" on WeChat to continue consulting and handle related business.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

Which collection platform is the credit card loan?

Credit card loans are outsourced collection companies.

The company mainly collects overdue credit cards. Collect credit cards by phone, email, door, etc. If it is not returned after 90 days, it will be reported directly to the local public security organ. If the credit card overdraft is not repaid as long as the amount exceeds 654.38+100000, you can directly file a case and freeze the real estate and bank deposits. And the trial is fast. Collection companies such as credit card loans mainly work for some local banks. Because the local bank is short of funds, the collection task is outsourced.

How about the work of the credit card collector?

This collection is really bad. Frankly speaking, this job is not a normal job. For a long time, in order to benefit, it can be said that it is wandering on the edge of the law. Carelessness is a crime.

You'd better not do such a job. This kind of work is not a good job. Credit card overdue collectors of outsourcing companies can be said to be similar to temporary workers, that is, collecting arrears. It can be said that your usual job is to collect debts that are difficult to collect. You may meet all kinds of people.

Generally speaking, if the bank customer service politely urges for a long time and fails to pay off the debt, it is possible to enter the outsourcing company. It can be said that many credit card debts owed by these people cannot be repaid. Otherwise, if you can, no one wants to owe them money all the time. Therefore, if the collector is polite to these debtors, he may still not pay them back. In this case, the collector will not be able to work effectively and get salary income.

If the cardholder wants the debtor to pay back the money as soon as possible, he may have to take some measures, which may be a bit illegal. If a collector wants to take such a big risk to collect some salary commission, it is really a bit uneconomical. So it's best not to do this kind of work, otherwise the risk is great.

: bank position:

1. Bank teller

There are two kinds of bank tellers, one is the front desk teller and the other is the back desk teller. The cashier at the front desk mainly receives customers to handle the corresponding business, and the cashier at the back desk checks some bank bills in the background. Backstage tellers should be more careful. They often have to review bills and bills. They cannot be careless. A slight mistake may cause huge losses to the bank. When you leave your seat, you must remember to lock the computer screen and drawer safe. Don't let others touch your business seal and name seal.

2. Customer marketing

The job of this position is mainly to attract customers. Good at tapping potential customers, with strong communication and marketing skills, can not only meet customer needs and provide practical value, but also enable banks to obtain operating profits and maintain normal operations.

3. Product support

The product support position is mainly to analyze some customer needs, develop products that meet the market demand according to the needs, and seize customer resources for banks. Product support positions are usually demanding. Good analytical skills and understanding of financial products.

4. Risk control

The risk control position is mainly to prevent and control customer credit risk and operational risk, and at the same time, it is necessary to monitor relevant risk indicators to improve the bank's own anti-risk ability. At present, the demand for risk control positions in major domestic banks is relatively large. Risk control positions generally require individuals to have strong risk foresight ability, judge when risks occur or are about to occur, and take timely countermeasures. At the same time, do a good job in risk control and have strong project operation ability.

5. There is a lot of IT work.

In addition to maintaining the stability of the banking system, we also need to develop and test new applications, such as bank mobile applications or clients. Information technology positions require a higher level of computer specialty and require a strong ability of development and innovation.

What is the credit card debt collection process and what are the precautions?

(1) The issuing bank shall review the legality of the outsourcing company. As a third-party organization, whether the credit card collection outsourcing company has legitimacy has always caused social doubts. The relevant departments of the state have issued prohibitive documents on "debt collection companies" and "debt collection behaviors" in society, while most third-party collection companies are "debt collection companies" divorced from laws and regulations, without a business license issued by the state and the constraints and management of relevant laws and regulations, which makes it illegal for such third-party collection companies to undertake collection business. Therefore, when choosing a collection outsourcing company, banks should pay attention to choosing a third-party company with the qualification of collection outsourcing business for cooperation. (2) Pay attention to the legality of entrusted collection authorization. After the credit card customer overdraws, the creditor-debtor relationship is formed between the bank and the customer, and the bank has the right to ask the user to repay. Entrusting a collection outsourcing company to collect debts is actually that the bank entrusts the collection right of asking customers to repay to the collection company. In this process, whether the scope of authorization is clear, whether the authorization authority is legal and whether the collection means of the collection company are legal will affect whether the outsourcing collection is legal and effective. The legal consequences caused by unclear authorization and illegal collection shall be borne by banks and collection outsourcing companies. The only right that outsourcing companies can exercise is to remind customers who owe credit cards to repay their loans. Whether it is a telephone interview or a face-to-face interview, it is impossible to use any means other than reminding people to collect money. Therefore, when the bank entrusts the collection company to exercise the collection right, it should authorize the collection company to exercise the collection right in the form of written authorization or signing an agreement, clarify the scope of the collection right, and require the collection company to take legal measures for collection. At the same time, strengthen the monitoring of the collection methods and means of the collection company, and stop or even terminate its authorization in time if the collection company adopts illegal means such as telephone harassment, threats and intimidation, cajoling and extortion. (three) the issuing bank should pay attention to the confidentiality obligation of customer information. When a bank authorizes a collection outsourcing company to carry out collection business, it needs to submit relevant customer information, such as name, ID number, contact number, credit card, etc. , so there is a risk of customer information leakage. Once the outsourcing company illegally collects the information from the loopholes in the bank's credit card issuance, misappropriates the information to apply for a credit card, or leaks the customer's information to a third party, it may make the bank bear the responsibility of leaking secrets and may also cause serious economic losses to customers. Therefore, banks should strictly control the scope of providing customer information when authorizing third-party companies to carry out outsourcing collection, and clarify various confidentiality obligations and breach of contract responsibilities with the collection outsourcing companies to avoid various legal consequences that may be caused by the disclosure of customer information.

What are the collection methods of credit cards?

1, SMS collection. Mainly for the cardholder's early and overdue repayment behavior, usually 7 to 15 days overdue. SMS mainly plays the role of reminder.

2. Telephone collection. Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle.

3, door-to-door collection. Mainly overdue for more than 90 days, the bank will arrange the collection staff to collect the repayment at the cardholder's residence or work address.

4. The bank will apply to the cardholder for repayment if the payment is overdue for more than half a year.

5. Outsourcing collection. Mainly for overdue 1 year or more, the bank packages and discounts overdue funds to the outsourcing collection company, which is responsible for overdue debt collection.

This is the end of the introduction of credit card outsourcing collection, the conventional means of credit card outsourcing collection. I wonder if you found the information you need from it?