If the credit card is overdue, does the bank have the right to call the account location?

In today's society, many people will encounter the problem of overdue credit cards. Last year, according to the authoritative statistics of the state, the per capita debt after 80.90 was around 654.38+0.2 million. This data is still very deterrent. 1.2 million debt, monthly salary 1 million. I don't eat, drink or do anything, and it will take a year to pay it off. I don't think it is possible to work in an ordinary company. But today's society. Prices are on the high side and the cost of living is high. Many people can't make ends meet. Many people have maxed out their credit cards and are unable to repay.

Many people panic when their credit cards are overdue, and they don't know what to do in the face of dunning calls. Some don't even answer the bank phone and change their mobile phone numbers to escape. In fact, this is the most wrong way to deal with it. I don't think it's terrible that credit cards are overdue. The terrible thing is that you dare not face the debt. As long as you have the courage to face the debt, things will develop healthily.

If the credit card expires

First, in the case that the amount is relatively small and the overdue time is not long, you can save face and ask relatives and friends to borrow money to pay off and then cancel the card. If you can't borrow it, you can temporarily borrow money from relatives and friends to return the credit card, and then withdraw money from the credit card. Now you can make a three-year repayment on your credit card, not more than one month.

Second, if multiple credit cards are overdue at the same time, first of all, don't change your mobile phone, don't escape, take the initiative to call the bank customer service, negotiate repayment, the bank customer service will record it, and the bank will contact you for collection. Remember, during the overdue period, the collection phone must be answered, so that the bank can contact you at any time without losing contact. If you can't pay off in one lump sum, you will pay back the money of each card every month,100.200.1000.2000, depending on your own situation. Let the bank know that you are willing to repay. This repayment is also given priority as the principal, and interest and liquidated damages are not deducted. These two points are generally done after the deadline, and the bank will not sue. Coupled with the new credit card regulations of 20 19, if the overdue principal exceeds 50,000, criminal prosecution can be made for the crime of credit card fraud. Generally, within 3 months overdue, the success rate of negotiating repayment with banks is relatively high. Some banks can reduce interest and liquidated damages and repay the principal in installments. When negotiating repayment, you must recognize yourself, brake in time, and don't support loans with loans. Try to make more money and pay off debts. This is the king!

The landlord asked if the credit card was overdue for more than 3 months. Banks generally entrust debts to professional collection companies for collection, and the collection companies will collect them by door-to-door, telephone and company telephone. Of course, if you have not lost contact, banks, including collection companies, have no right to inform third parties about your debt. These are illegal operations, and you can call the bank customer service to make a complaint.

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If the credit card is overdue, the first thing to do is to inform you by SMS. If you know at this time, you must deal with it in time. If it still drags on, the next step is to send a warning and a lawyer's letter. It is very dangerous to receive a lawyer's letter, especially now that credit investigation is becoming more and more important. In the past, credit cards were not returned, and at most they were blacklisted. If you dare to overdue now, the children will not be able to go to school in the future. If the circumstances are serious, the court will send a delivery note directly to your birthplace. In short, don't pay it back after the deadline. The bank won't call you. You were informed by a lawyer or a court.

First of all, it is certain that if you deliberately avoid the bank's withdrawal after the credit card expires and the bank can't contact you for a long time, then the bank can contact the relevant department where your account is located to obtain your relevant information.

After the credit card expires, under normal circumstances, the bank will give priority to contacting you. As long as you can contact yourself, whether by email, telephone or other means, banks generally will not contact your family or the relevant departments where your account is located.

However, if your credit card is overdue, and the overdue amount is relatively large, and the overdue time is relatively long, and the bank still can't contact you after repeated collection, then the bank collection department may call your company to find out your trend, and even some banks will send the lawyer's letter directly to the relevant department where you live. This kind of thing has happened before.

Although it seems immoral for these banks to call the relevant departments where your household registration is located, it is not illegal for banks to do so, because there is no law in China that banks cannot inquire about the cardholder's location after the credit card expires.

At present, bank credit card collection is generally entrusted to a third party, and in order to recover more debts and obtain more profits, these third-party collection agencies sometimes do some illegal acts, such as going directly to the cardholder's household registration and asking the cardholder's relatives and friends to repay, but this behavior itself is illegal.

According to Article 68 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not use improper means such as violence, coercion, intimidation or abuse to collect money. The collection process shall be recorded and the recorded materials shall be kept for at least two years for future reference.

According to this regulatory requirement of the CBRC, no matter whether the bank collects money by itself or entrusts a third party, it cannot collect money from a third party other than the cardholder. If the bank can't contact the cardholder in the process of collection, it can inquire about the cardholder's whereabouts in a reasonable and legal way, but it can't disclose the cardholder's debt to irrelevant personnel, let alone directly collect it from them, otherwise it will be illegal.

If it is found that the bank uses some unreasonable behaviors to collect money from others during the collection process, or discloses the cardholder's relevant debt information and privacy information to an unrelated third party, the parties concerned may directly report the bank's collection behavior to the banking regulatory bureau.

As we mentioned earlier, if the bank can't contact the cardholder himself, they may call the cardholder's contact person or even consult the relevant department where the household registration is located.

Therefore, in order to avoid this kind of thing, I suggest that after the credit card expires, don't deliberately change the phone number or address to avoid bank collection. Otherwise, it will not only implicate the relevant people around you, but more importantly, if you deliberately avoid bank collection, you may be considered as a malicious overdraft of credit cards and bear the crime of credit card fraud. Once it is identified as credit card fraud, it will bear criminal responsibility.

Credit card business has made great progress since it entered China. The issuance and holding of credit cards have risen to a new height. However, the subsequent credit card overdue rate is also constantly creating new highs. Especially during the recent epidemic, the overdue rate of credit cards has risen sharply again and entered people's field of vision.

In the final analysis, the overdue credit card is caused by the blind overdraft of the cardholder. If people who usually know how to use their cards moderately, the loan officer believes that it will not be overdue.

Credit card repayment generally has a grace period of 1-3 days. As long as the repayment is made within this time, it is not overdue and will not be reported to the credit bureau. If it exceeds this time, it will be reported to the credit bureau.

If the repayment is not made on time, the bank will remind the repayment by telephone.

Generally, the repayment is notified by phone first. If the cardholder refuses to answer the phone and disappears, then the cardholder will be notified of repayment by two emergency contacts who applied for a credit card at that time.

Never underestimate the ability of banks. Banks can contact the village committee or relevant departments where your account is located to obtain your relevant information.

At present, there is no law in China, and it is not allowed to call the account location after the credit card expires.

Although it seems bad for banks to call your domicile, it is not illegal for banks to do so, but banks can only learn about the cardholder's movements from your domicile, and cannot disclose the cardholder's specific liabilities, nor can they collect money from the relevant personnel at the domicile. Serious cases will be punished by law, so we must take overdue credit cards seriously.

Where is the household registration? Where exactly is it? Did the local community department call you to tell you about the bank collection? Or what? Generally speaking, what the bank can get and contact directly should be your address book friends; Besides, the bank doesn't just call its own employees. If your overdue period is particularly serious and their repeated collection is ineffective, then outsource it to other professional collection companies. As for whether the outsourcing company will hit your account, let's talk about it!

You must first understand the normal collection process of the bank. In different overdue periods, banks will have different actions.

So you can infer from your overdue time, what collection stage is the bank in now?

Is it a bank or an outsourcing company?

If the bank calls, what scope is reasonable, compliant and legal?

If it is not compliant, how can I appeal for rights protection?

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

The second stage: telephone collection (more than 30 days). Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle.

The third stage: door-to-door collection (more than 3 months). 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.

The fourth stage: court prosecution (more than half a year). Mainly more than half a year overdue, the bank will apply to the court to sue the cardholder for repayment.

The fifth stage: outsourcing collection (1 year or more). 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.

The above is basically the general process of bank dunning, but there are exceptions. For example, in the early stage of overdue, China Merchants Bank will outsource dunning after the SMS collection of the bank is invalid, and then transfer it back to the internal legal department of the bank for dunning after the outsourcing company has not yet collected it.

Generally, banks operate their own collection by calling the contacts in your address book; Not necessarily if the bank entrusts a third party to collect money. It entrusts a special collection company according to your information, and the scope of telephone collection may be larger.

One thing to note is that banks usually sign confidentiality agreements with each other for outsourcing collection, because customer information will be delivered to a third party, which also means there is a danger of customer information leakage. Once the outsourcing company illegally uses the gap in the credit card issuance process, misappropriates this information or leaks customer information to a third party, it may make the bank bear the responsibility of violating confidentiality and compensate customers for economic losses.

Article 68 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, which came into effect on July 22, 20 10, clearly stipulates that "the issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not use violence, coercion, intimidation, abuse and other improper collection behaviors. The collection process should be recorded, and the recorded materials should be kept for at least 2 years for future reference. "

The above is the field of compliance. Non-compliance is violent collection. You can complain and report the collection methods that you think are unreasonable!

2 1CN is a public welfare consumer complaint platform initiated by 2 1CN. All banks can collect non-compliance complaints on this platform:

You can directly see the progress of your complaint handling, but only if you know whether the other party really violates the rules, otherwise it will be rejected unreasonably:

Or you can call the bank directly, describe the matter clearly, and the general customer service will record your information in a friendly way, and then tell you that it will give you feedback within 1-5 working days. If it is the responsibility of the bank, the bank will generally solve it;

If the bank can't solve it, you can go to the China Banking Regulatory Commission, a specialized banking supervision institution. Every province has branches. Generally, you should call the local branch to complain, and you need to search for specific information yourself. You can complain by phone or fax.

I hope my answer can help you. Please leave a message for discussion. For more questions, please pay attention to "worry-free finance"!

I don't think so.

Should have the right to inform

It's not a bank, it's an entrusted third party. If you haven't lost contact, it is illegal for them to do so. Fix the evidence and report it directly to the CBRC at telephone number 12378. I have encountered similar situations and complained to Ping An Bank and third parties. Although communicating with banks is like asking for ancestors, you are the grandson of the department that really manages them. Please withdraw your complaint, because there is a time limit for reply and satisfaction rate evaluation.

Appeal: Cancelling the "malicious overdraft" of credit cards is a fraudulent clause.