What are the credit card dunning skills?

26 Stress Words of Credit Card Collectors

1. In the face of collection cases, the collection personnel must first sort out and classify the cases themselves, be familiar with the overall situation of the cases and the basic information of the collection personnel, and be aware of them. At the beginning of collection, the general call sequence is line unit phone, then home phone, and finally my mobile phone; When these can't be contacted, they will call the contact person (or relatives/units) to carry out the situation and inform the debtor of repayment through the contact person.

2. If the debtor can't be found through the above methods, search on the website (or 1 14) through the information in the case database or inquire by mobile phone or fixed telephone.

3. If the debtor cannot be found through the above methods, the company will send overseas personnel to the door and bring back the required information for collection; In addition, foreign tourists play a great role in the collection process, so it can be said that the success or failure of the collection lies in foreign tourists.

4. Understand the debtor's information, and send a collection letter and a lawyer's letter to his family and work unit in turn to inform him of the arrears.

5. In the process of collection, the field staff will be responsible for sending letters, collecting at home, and implementing the debtor's information on the spot, mainly to put pressure on the debtor.

6. Don't collect money from the cardholder as a bank, and don't have personal attacks during the negotiation. Avoid lowering the debtor's settlement amount at will and never accept money.

Dunning skills and classic words

Dunning skills go straight to the point, improvise, lock in the core figures, and don't tear your face easily.

1, get to the point

First of all, we should straighten our position and posture. Don't let the other party go against the customer in the matter of urging money. The most effective way is to speak frankly and don't feel embarrassed. -beating around the bush will only be counterproductive.

2, improvise

Before taking dunning action, we should know ourselves and know ourselves, first find out the reasons for the other party's breach of contract, and then take different dunning strategies according to different situations and break them one by one.

3. Lock key numbers

From the initial cooperation with customers, it is necessary to lock in the core docking person and form a fixed communication mode. Don't let other people pass the buck and be led by the nose.

4. Don't tear your face easily

It is inevitable that people will look angry repeatedly when collecting money, so that individuals will make excessive behavior because of suppressing anger. I don't know that once I tear my face, the other party may break the jar and break it, and it will become more and more difficult to collect money.

Classical rhetoric

1, opening remarks: Hello Mr./Ms. XX, do you know that your credit card of China Merchants Bank is currently in arrears? When will you deal with it? My surname is X, and I am responsible for handling this matter. Please contact me if you have anything. The telephone number is XXX I will contact the customer later, that is, I am Mr./Ms. X, and I am processing your XX bank credit card. )

2. When the cardholder has doubts about our identity: Mr./Ms. XX, you started to use this credit card on XX, XX. Your last payment date is XX, your ID number is XXXX, and your billing address is XXX (use the cardholder information provided by the bank to dispel the cardholder's doubts).

3. When the card clerk asks which department we are: I am the accounting processing group/legal department. When the card clerk asks us what company or bank we are, we are the outsourcing office of XX Bank, and we have very close contact with XX Bank to help XX Bank handle the dunning and notification of account arrears.

How to collect credit card arrears? These methods are the most common.

In real life, there are often such a group of people who think that their cards can be overdrawn without repayment, but they don't know that they will be collected by the bank if they fail to repay after the deadline. However, the means of bank collection are endless, which makes people hard to prevent, and finally seriously affects daily life and work. Here's how the bank collects credit card arrears.

What are the common collection methods?

According to different situations, banks will have different collection plans. Let's take a look at them together.

First stage

This refers to the period from the last repayment date to the next billing date, that is, one month overdue, and the bank will remind you to repay quickly by SMS or telephone. During this period, in addition to the principal owed, there are also liquidated damages and interest.

stage Ⅱ

This refers to the second month after the deadline, that is to say, if two bills have been paid after the deadline, the bank will officially start to collect them, and you will receive a phone call from the collection staff. The amount of arrears to be paid at this stage is principal+liquidated damages+compound interest after overdue.

The third stage

At this stage, the bank will intensify the collection after three bills are overdue, not only for itself, but also call your emergency contact to remind you to repay. In addition to the pressure from the bank, you have to face the colored eyes of friends and relatives.

The fourth stage

It means that you are overdue for three months, and the bank has made effective calls and text messages for you twice, but you haven't repaid the money yet. The bank staff may come to your house to collect the money and have an interview with you. If you can't get in touch, the bank will go to your household registration and let friends and relatives tell you, which will indirectly put pressure on you.

The fifth stage

If the above collection methods fail, the bank will report the case to the police station or directly to the overdue cardholder, and the public security organ will intervene in the investigation after filing the case. If you are found to have maliciously overdrawn, which constitutes a credit card crime, then you will be investigated for criminal responsibility, and you may be arrested and punished, and even need to repay after punishment.

This concludes the introduction of credit card dunning skills and credit card dunning skills. I wonder if you have found the information you need?