The difference between cbc collection and bank collection

1, Time: Generally, credit cards that are overdue for more than 3 months will be handed over to third-party collection agencies. Because they have experienced internal collection, they have not been urged to pay debts, and even some debtors have lost contact. Give it to a third-party collection agency, and they will have more ways. But it was handed over to the collection agency in less than three months, two months later or even the beginning of the second month.

2. Behavior: SMS or phone bombing, address book harassing others, inducing you to borrow platform debt from other platforms, sending photos in groups, informing village committees and companies, cursing borrowers and their related personnel, harassing dunning in the middle of the night, etc. These behaviors that make you feel extremely uncomfortable are masterpieces of third-party collection.

3. Words: It is also a telephone debt collection. You can hear the difference between the opening remarks of customer service in the bank and the self-introduction of the third-party collection company.

"Hello, I am a staff member of * * Bank, and I have to handle your credit card overdue." Most of them are bank staff.

"Hello, I am the staff of your bank who handles overdue credit cards." This is mostly a collection of company employees.

It's all overdue, just with different identities. Because banks do not allow third parties to pretend to be bank staff to collect money, it is a taboo for companies that pretend to be banks to collect money, just like pretending to be public security law. So the third party is the third party, or the bank transfers the non-performing assets at a low price, and some qualified asset management companies will take over and become your creditors, but it will never be a bank.

Many times, the third party will not report to you. If you don't hear it, or the other party doesn't have such an opening statement, but you want to confirm the identity of the other party, you can directly ask whether the other party is an insider of the bank or a third-party organization, or ask the other party's job number. Bank customer service will generally tell you directly, and you can also ask the other party to help you modify the service password of your credit card. If the other party can't help you finish it right away, it's not a banking system employee.

4. Call number: It can also be identified by the call number. To sum up briefly, whoever calls with a mobile phone number or a network number, no matter which one owes money, must be the entrusted third party.

The mobile phone number is usually an uncommon number segment, and third-party collection personnel are basically afraid to contact you with their own life number.

5, attitude: very simple, since the collection staff will have all kinds of excessive dunning behavior, then when they come to chat with you, their attitude is definitely bad, even if they pretend to be correct at first, they will lose patience and make various routines or bad behaviors. Sometimes you can hear the awareness that the other party is unprofessional and does not serve, which is obvious.