Who should I call for collection calls that are six months overdue?

How long will it take before you call your family members?

If your credit card is overdue for more than one month, you will call your family members.

After the credit card is overdue, the bank will call the cardholder to collect payment from the cardholder if the credit card is overdue for more than 7 days. Under normal circumstances, it will only call the cardholder. If there is no result in the collection of repayment, the bank will call the family members and ask the family members to inform the cardholder to repay, or even ask for help in repayment.

The four stages of credit card overdue and the corresponding consequences:

The stages of credit card overdue:

1. Overdue for 1-3 days.

Cardholders who frequently use credit cards generally hold a large number of credit cards. In the process of continuous credit card repayment, it is easy to fail to repay on time or miss a certain credit card. Banks generally have an understanding attitude towards this situation and provide 1-3 days of delay service.

If the cardholder pays off the debt within the service period, the bank generally does not report it to the central bank's credit reporting system, which has little impact on personal credit reporting.

2. Overdue for 3-30 days.

After the credit card is overdue to this stage, the card-issuing bank will remind the cardholder to repay through text messages, phone calls, etc., and begin to charge fines and liquidated damages caused by the overdue credit card.

Dinders during this period are generally bank staff with good attitudes, easy communication, and will not affect their own lives. However, it is worth noting that overdue credit cards during this period have been included in the personal credit report. However, if the outstanding balance can be paid off in time, it is possible to eliminate the impact on the personal credit report through negotiation with the bank.

3. 30-60 days overdue. How long will it take for your credit card to be overdue before you call your family?

Generally, it is about 3 months overdue. Generally, if the payment is overdue for about 3 months, China Merchants Bank will call your family. When a credit card is overdue, the bank may not necessarily make a collection call. For early overdue behaviors of cardholders, the overdue time is within 7 to -15 days, and collection is mainly done through text messages. If the cardholder is overdue for more than 30 days or for more than one billing period, the bank will call to collect and remind the repayment through phone calls. However, this call is usually made directly to the cardholder, not to the cardholder’s family. . Usually when the cardholder is overdue for more than 30 days, and the bank has failed to collect the payment and cannot contact the cardholder, the bank will call the cardholder's family and ask the family member to tell the cardholder to repay as soon as possible. Some banks will also ask the cardholder to repay the card as soon as possible. The person’s family repays the card holder.

1. Solutions for overdue credit cards:

1. If the cardholder forgets to repay the card and discovers it is overdue, he must repay it as soon as possible, preferably in full. Call the bank's credit card center and declare that the debt is not malicious. If the overdue period is short, the bank may not count the bad record.

2. When a credit card is overdue and unable to repay due to unemployment, illness, etc., the cardholder should proactively contact the bank’s credit card center before the repayment period, explain his or her financial situation, and declare that he or she does not owe money maliciously. Make a payment, apply for deferment of repayment or repayment in installments.

3. If the cardholder takes the initiative to apply for an extension of repayment, the bank will often agree to the extension. The bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but you must repay on time after applying for an extension.

2. Consequences of overdue bank cards

1. Overdue fees include not only a late payment penalty of 5% of the minimum unpaid portion, but also full penalty interest on the bill (5% daily interest, consumption Interest will be calculated on the same day and will be charged monthly until the principal and interest are paid off.) It will also produce a bad credit record in the Credit Reference Center of the People's Bank of China, and it will be difficult to apply for credit cards and bank loans within 5 years.

2. If you are overdue for more than three months or fail to repay more than two bank reminders, the bank will freeze your card and list you as a prohibited customer (blacklist), and you will also be prosecuted. Your credit card fraud and malicious overdraft will be enforced by the court. If you refuse to repay after prosecution and the amount owed exceeds RMB 10,000, the court will impose a sentence based on the crime of credit card fraud, Article 196 of the Criminal Law.

3. The Supreme People's Court and the Supreme People's Procuratorate jointly issued the "Interpretation on Several Issues Concerning the Specific Application of Laws in Criminal Cases Obstructing the Management of Credit Cards", calling the bank's two collections of debts not repaid in March a malicious overdraft.

1. In the judicial interpretation, two restrictions were added to "malicious overdraft": first, two collections from the issuing bank; second, failure to return the card for more than three months.

2. Because the credit card fraud crime of "malicious overdraft" is an intentional crime, it has the subjective purpose of illegal possession, which is a very important component of the behavior.

3. This judicial interpretation clarified the amount of "malicious overdraft". The amount of "malicious overdraft" refers to the amount that has been refused to be returned and has not yet been returned, excluding late fees, compound interest and other fees charged by the issuing bank. .

4. According to the criminal policy of balancing leniency with severity, those who repay the overdraft interest before the court has made a judgment or the public security organ has not filed a case will be treated lightly or not be held criminally responsible. In this way, those " The fraudulent behavior of "malicious overdraft" also plays the warning and educational role of the law, minimizing the criminal attack area as much as possible.

4. According to Article 196 of the Criminal Law of the People's Republic of China, "malicious overdraft" is a criminal act of credit card fraud.

1. Criminal Law Article 266 Whoever defrauds public or private property and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or solely be fined; if the amount is huge or there are other serious If the amount is particularly huge or there are other particularly serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than three years and not more than ten years, and shall also be fined; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined or his property shall be confiscated.

2. Article 196 of the Criminal Law stipulates: Malicious overdraft with an amount of more than 10,000 yuan but less than 100,000 yuan shall be deemed as a "relative amount" as stipulated in Article 196 of the Criminal Law. If the amount is more than 100,000 yuan and less than 1 million yuan, it shall be deemed as a "huge amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 1 million yuan, it shall be deemed as a "huge amount" as stipulated in Article 196 of the Criminal Law; The “amount is particularly huge” as stipulated in Article 6. How long will it take before you call your family? If it is overdue for more than this time, it will happen

;? In order to make overdue borrowers repay as soon as possible, both online loan platforms and banks will adopt various collection methods. This includes phone calls, text messages, and even door visits. But what makes it more difficult for most borrowers is when their family members receive collection calls. How long will it take before you call your family? If it is overdue beyond this time, it will happen!

How long after the due date will you call your family? When a user's loan is overdue and the overdue time exceeds 3 days, the lending institution may call his family to collect the loan. Of course, if the user does not leave the contact's phone number when applying for a loan, then the loan institution will only call the lender's phone number for collection after the loan is overdue, but will not call the family's phone number for collection. Users do not want their family members to receive collection calls, so they must proactively negotiate with the lending institution after the payment is overdue. After successful negotiation, the lending institution will not make collection calls to their family members. Bank loans rarely call the borrower's family without the borrower's consent. According to regulations, banks must be standardized when contacting their families and cannot directly collect debts from their families. If you are verbally abused, insulted, or even verbally attacked, it is considered violent collection. If you encounter this situation, you should record it as evidence to complain to the bank. The second is that the borrower's debt situation cannot be clearly informed, but the family can be asked to tell the cardholder to answer the phone or contact the bank proactively, or obtain the cardholder's contact information through family members, etc. Of course, borrowers also need to be careful not to lose contact after the loan is overdue. If you lose contact, the collection agent has the right to contact your family. The above is the sharing of relevant content about "How long will it take to call your family after the due date"? I hope it can help everyone! Who will the bank call after the credit card expires?

After the credit card expires, the bank will contact the cardholder or contact person. If the credit card cannot be contacted, the bank may contact the work unit, etc. If you don’t want to be bothered by debt collection, find a way to pay off the debt as soon as possible.