What is the process for banks to collect credit card accounts?

Maybe some young people don't understand how banks accept bank card accounts. In fact, there is no need to worry about this situation. As a bank, these methods can certainly be solved, but because we are still a frog in the well, there are some things we don't understand. Actually, this is normal. After all, young people have never dealt with this kind of thing, nor have they encountered credit card loans. However, if the credit card is not repaid, you will be under pressure when the bank collects the credit card.

If the credit card is overdue, the bank will collect it according to the corresponding process, so one of the most basic and simple ways to collect repayment is SMS dunning, which is only a short-term dunning. Generally, within 0/5 days of overdue/kloc-,the bank will send the dunning information to the customer's SMS business interface or the cardholder's interface and send it to the customer's mobile phone to remind them that the credit card is overdue, which will lead to a series of expenses such as interest default. I hope customers can hurry up.

If SMS dunning doesn't work, it's a direct phone dunning. Generally, telephone dunning is not paid back within a billing cycle, so the bank has special staff who will call the party's mobile phone for dunning. At this time, there are two kinds of results, one is direct repayment, and the other is still dragging on repayment.

At this time, it is a direct home collection, and the repayment is generally overdue for more than 90 days. At this time, the bank may arrange for the collection personnel to go to the cardholder's current residence or work place to collect the money. Then there are two results. Either find this person at the cardholder's residence and inform the parties directly, and then you can repay. If the collector doesn't find the client at home or work place, then you have to move on to the next step.

The court will sue the parties. General prosecution is generally overdue for three months to more than half a year. The bank can't directly submit the indictment to the court and ask the cardholder to repay. At this time, the cardholder basically has no way out, or he will go to the court to accept the corresponding repayment information, otherwise he will bear all the consequences and influences caused by non-repayment.