How does Ping An Bank make credit card dunning? Asking for information

After the deadline, the bank will call or send a text message to collect the money. After a period of time, it will generally be handed over to a third-party collection company. The main methods are telephone bombing, sending lawyers' letters, door-to-door sales promotion or informing communities, neighborhood committees and enterprises. The fundamental thing to solve the debt is to have a certain income.

1, overdue within three months. At this time, it is generally a telephone reminder, a repayment SMS notification, etc. Of course, if the customer loses contact, the bank will also call the emergency contact. However, when the third month is overdue, the collection will gradually increase. Some people want to negotiate amortization, and the bank will not agree. The debtor will be informed in detail of a series of consequences, such as the dishonesty of the executor and the impact on the children. Mainly aimed at the overdue repayment behavior of prepaid card holders, generally 7- 15 days. SMS mainly plays the role of reminder. Second, telephone collection. Mainly for the behavior that is overdue for more than 30 days and more than one billing cycle, call to remind the refund.

It's overdue for more than three months. When the maturity exceeds three months, the minimum repayment invoice has been paid off in full, and the relevant personnel of the "wealth management company", that is, the third party, will collect the money. Third, door-to-door collection. If the payment is overdue for more than 90 days, the bank will arrange for the payee to call the cardholder's residence or work address for repayment. Fourth, prosecute. Mainly overdue for more than 6 months, the bank will sue the cardholder for a refund. Fifth, intensification. The bank will package and discount the overdue funds for more than one year to the subcontracting collection company to recover the overdue funds. There are various ways of collection, from initial customer service to resorting to justice and outsourcing collection, and it is getting more and more serious. The above collection methods are for reference only. The bank will still decide which payment method to adopt according to the severity of the overdue situation.

1) After the credit card is overdue, you should take the initiative to contact the bank, explain the reasons for the overdue, clarify the current economic situation, and then negotiate with the bank to stop interest and pay by installments to seek interest-free opportunities. Stop collecting and avoid being sued. More importantly, stop the crazy growth of interest arrears and sign a personalized repayment agreement, which will be repaid in 60 installments for up to 5 years.

2) Comprehensive suggestion: To apply for interest-free, the following conditions are required: the cardholder is overdue, temporarily unable to pay off the arrears in one lump sum, and has the repayment ability before being sued by the bank after the remittance is successful; These conditions are indispensable.