What happened to CITIC Bank's door-to-door evidence collection?

1. Credit card door-to-door forensics investigation is mainly to collect evidence to see if you maliciously overdraw your credit card. If so, you will be accused of credit card fraud.

2. CITIC Bank will tell you that you need to repay, investigate whether you are unable to repay, see your living conditions, or do some pre-litigation materials and consult some things:

Then what we need to do is: (1) If the local bank staff comes to the door, we can ask the other party to show the bank work permit (2); If it is a third party's door-to-door, we need the bank power of attorney and ID card presented by the door-to-door person; If they can't show it, we can refuse each other the door (3); During the conversation, the other party must not threaten, intimidate or abuse; If this happens, we can record the video to save the evidence and make a complaint.

According to Article 70 of the Law on Supervision and Administration of Credit Cards of Commercial Banks, cardholders still have the willingness to repay when they fail to repay in one lump sum, and there are proper reasons for overdue. It should be noted here that it is necessary to negotiate personalized installment payment before being sued by the court or before the debt shows that it has not become a bad debt. Only in this way can we negotiate a personalized installment agreement with the bank, and the repayment can not exceed 5 years at the longest, which is what we call cessation. However, many people failed to negotiate with the bank after the deadline, which may be due to some improper expressions or methods.

2. Add:

A total of 13 cases will leave a bad record in the eyes of banks, thus affecting loans:

1. The credit card has been overdue for three consecutive times, totaling six times.

2. The monthly mortgage payment is overdue or unpaid for 2 to 3 months.

3. The monthly car loan payment is overdue for 2 to 3 months or unpaid.

4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.

5. Water, electricity and gas charges were not paid on time.

6. Personal credit card is cashed out.

7. The student loan is in arrears.

8. If the Sleep Credit Card is not activated, it will still generate an annual fee. If you don't pay, you will have a negative credit record.

9. Credit card overdrafts and mortgage loans are not repaid on time.

10. When providing a guarantee for a third party, the third party fails to repay the loan on time.

1 1, personal credit report will also record some economic judgments of the court. Therefore, economic disputes such as debt will also affect credit records.

12. Mobile phone charges are linked to bank card charges. If you don't go through the relevant procedures after stopping using the mobile phone, it will be overdue because you haven't paid the monthly fee, and it will also cause bad records;

13. Credit card arrears records are generated by others using their own ID cards or copies of their ID cards.