Will China Merchants Bank call your parents?

Generally, the overdue time is long, and the bank entrusts a third party to collect it. Common methods include telephone collection, address book explosion or door-to-door collection. Whether to visit or not depends on the collection. After many friends' credit cards are overdue, what they are most afraid of is not collecting credit, but collecting people to come to the door, because the arrears themselves are easy to say and don't sound good. Many friends are afraid to tell others that they are in debt. They just want to pay back slowly and solve the debt problem as soon as possible. However, once the collection staff came to the door, debt became a well-known thing. For people in debt, the pressure is not generally great. In fact, there are other purposes for the collection staff to come to the door. Here, I'll give you a brief explanation: there are three main choices for general collectors to come to the door: one is the household registration address on the ID card, the other is the current address reserved when applying for a credit card, and the third is the work unit left when applying for a credit card. Do you have time for the collection staff to come to your house? Generally speaking, it can be divided into two types: one is to make an appointment in advance, and the time and place are set, and the collection personnel hope that the debtor will cooperate with the investigation; The other is that the collection staff will come to the door directly without saying hello, and the specific choice will change according to the actual situation. There must be a collection purpose. Generally, most people think that collection is to collect money or put pressure on everyone. In fact, there is also a collection purpose. The most important thing is to know your situation, such as your income level, work and family situation, and whether you have the ability to repay. These are the real purposes of the collection.