0774 is a credit card overdue reminder (what is 0775)?

1.0774 Is the credit card overdue call?

0774 is only the area code of Guangdong, which is not directly related to the overdue call of

0774 is a credit card overdue reminder (what is 0775)?

1.0774 Is the credit card overdue call?

0774 is only the area code of Guangdong, which is not directly related to the overdue call of our credit card, so it doesn't mean that 0774 starts with overdue call.

However, such calls are generally harassing calls. However, because many collection calls start with 0774, if you receive a call from 0774, you must pay attention to the overdue credit card. You can't refuse to answer the collection call, otherwise it will be listed as malicious overdue by the bank, which will have a serious impact in the future.

2. What is the overdue credit card collection process?

1 phase is short message collection. When we are just overdue, banks usually send text messages to remind us.

The second stage is telephone collection. Generally speaking, the repayment is overdue for about one month. If the repayment has not been made, the bank will make a phone call for collection.

The third stage is the collection of letters. If you still don't repay the money after answering the phone, the bank will send a letter, and generally there will be a lawyer's letter to remind you if it is overdue for one or two months.

The fourth stage is the collection of third-party companies. Third-party company personnel often have a bad collection attitude and even come to the door. Everyone must pay attention.

The fifth stage is the bank suing the court. If it is overdue for more than three months, the bank will sue. If the collection fails many times, the bank will ask the cardholder to repay through legal channels.

Third, how to deal with violent collection

1. In the case of dunning a third person unrelated to creditor's rights and debts, we can directly go to the bank customer service to complain and ask him to stop this behavior on the premise of ensuring that the dunner can contact us.

2. In the case of too many credit card collection calls, although we can't refuse to call the collection party, we can agree with the other party when to contact us every day.

Generally speaking, it is not true to receive letters from lawyers or courts. These are all disguised methods used by many outsourcing companies. We can ask the other party to provide the power of attorney of the bank and the full name of their institution, and then we can complain to the CBRC.

Today, I want to talk to you about the content of 0774, which is that the overdue credit card reminder is over. I hope that through today's sharing, we can have a brand-new understanding of the collection.

Overdue collection, constant interest, and constant telephone calls have seriously affected life. Consult legal affairs, assist in stopping payment, extend the repayment period, and professional lawyers will formulate personalized solutions for you.