How long will it take for a credit card to be violently collected if it is overdue? Learn how to deal with it Overdue credit cards will be subject to collection. Some collection methods are very gent

How long will it take for a credit card to be violently collected if it is overdue? Learn how to deal with it Overdue credit cards will be subject to collection. Some collection methods are very gentle, and some are more violent, which will affect our daily life and work. So, how long will it take for a credit card to be violently collected if it is overdue? How to deal with it? Let’s find out together. Credit cards are not subject to violent collection as soon as they are overdue. There is a transition period. Generally, within 90 days of overdue, the bank usually collects money internally. Collection methods include text messages, phone calls, and door-to-door collection, but basically they will not take drastic measures. After all, banks Still afraid of being complained. Once overdue for 3 months, the bank will outsource the collection to a third party. For the third party, they will get a commission only if the collection is successful. In order to force the cardholder to repay, some will use any means, and violent collection is inevitable. , if you encounter the following situations, it is undoubtedly a violent collection: 1. Phone bombing. I received more than 3 collection calls every day, regardless of time of day. In addition to calling the cardholder himself, I also harassed family members and friends. 2. Explode the address book. Sending text messages to contacts in the address book exposes the cardholder's information and damages the cardholder's reputation. 3. Threats and intimidation. For example, blocking the door of the cardholder's home, insulting the cardholder in public places, beating or insulting the cardholder and his family, causing mental and physical damage to the cardholder and his family. In the face of these illegal behaviors, we must protect our own rights and interests, ask clearly the name of the collection company and which entrusting agency it is. When being collected, we must have evidence, such as audio and video recordings, etc., and then complain directly to the bank If the bank does not accept the application, it will go directly to the China Banking and Insurance Regulatory Commission or various exposure platforms.