Why do credit card employees visit their homes?

What is the purpose of the bank's home visit to employees?

The purpose of conducting employee home visits in banks is to build a harmonious bank, further strengthen employee relations, keep abreast of employees' ideological status and family status, effectively carry out ideological work, further solve employees' ideological problems and practical problems in work and life, form a good atmosphere of mutual concern and harmonious development, further establish responsible corporate values, prevent risks and promote sustained, stable and rapid development.

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The purpose of implementing the home visit system is to build a harmonious bank, further strengthen employee relations, keep abreast of employees' ideological status and family situation, effectively carry out ideological work, further solve employees' ideological problems and practical problems in their work and life, form a good atmosphere of mutual concern and harmonious development, further establish responsibility values, prevent risks, and promote sustained, stable and rapid development. The purpose of home visits is to fully understand the employees' situation after 8 hours through communication with their families, especially to know whether the employees have money dealings with credit customers, whether they participate in high-interest loans and illegal fund-raising, whether they participate in business-run enterprises or engage in second jobs, whether they use credit cards to cash out and use bank cards to transfer customers' funds, and whether they have drunk driving and other irregularities.

Related impacts:

1, urge them to correct their learning attitude and establish their learning goals.

2. Make friends.

3. Help them set learning goals and learning methods.

4. How to improve control?

5. Encourage them to sprint to the goal of "higher and stronger" and forge ahead in the grade.

Content of home visit:

1. solicit opinions and suggestions from employees and their families on the reform and development of the Bank.

2. Understand the employees' thoughts, working and living conditions, especially the activities beyond eight hours. Focus on understanding employees' real thoughts, job satisfaction, difficulties in life and whether they gamble, do business, buy tickets, often go to high-end entertainment places or go out at night after eight hours.

3. Understand the basic situation of employees' families. It mainly includes parents' work and physical condition, spouse's employment situation, family's main social relations, etc. And we should focus on solving the practical difficulties of workers' families.

Purpose of overdue home visit by credit card

The purpose of overdue home visit by credit card is to confirm and verify identity information, and also to collect it. Under normal circumstances, banks adopt the principle of "three times a week, six times a year" to deal with overdue credit cards. If the credit card is overdue for three consecutive months or six consecutive months, the bank will carefully consider the personal loan application and generally will not approve the loan easily. If they fail to reach this range within the time limit, they can still get the loan approval smoothly as long as they give a reasonable explanation, provide personal credit certificate and let the bank re-evaluate personal credit.

I. Purpose of overdue home visit by credit card

Check each other's identity first! The vast majority of home visits are third-party collections outsourced by banks. At first, the other party will force the user to repay the money on the grounds of home visit. If it is an appointment with the user, it will rarely come to the door. The real door-to-door visit is generally a "surprise attack." The constitution protects everyone's home from infringement! If the user refuses to enter the house, the other party is afraid to enter. Users can also say that there are elderly people in poor health at home, and the other party will naturally converge.

Second, the credit card is overdue

1. will generate overdue interest, liquidated damages and other expenses. If the credit card is overdue, the interest will be calculated from the day when the card is swiped. Generally, the daily interest is five ten thousandths, and the compound interest is calculated monthly. The liquidated damages are generally 5% of the unpaid part of the minimum repayment amount.

2. Bad credit record: after the deadline, the personal credit report will produce bad records, which will affect the future loan application.

3, may face criminal responsibility: if the long-term overdue and overdue amount is large, then you may receive a reminder from the bank; If the bank still fails to repay the arrears after being reminded, it may face criminal responsibility.

To sum up, compliant home visits only verify the situation, agree on the repayment time and so on. The other party is usually two people, and it is also the whole recording. Some emotional netizens will say that if the other party comes to you, it will be too extreme. If the other party is really threatening, you must control your emotions and avoid unnecessary troubles caused by the escalation of contradictions. Just call the police.

Why do banks need home visits when they are employed? What did the parents say when the president came?

1. Generally, if you are employed, you won't visit your house. Political review may have certain requirements, but these are also very simple now. If you have a home visit, it also shows that people pay more attention to you. Anyway, if you have something to say, just seek truth from facts.

2. It has never been heard that employment requires home visits, so the implementation of home visits system is to build a harmonious bank, further strengthen employee relations, keep abreast of employees' ideological status and family situation, effectively carry out ideological work, further solve employees' ideological problems and practical problems in their work and life, form a good atmosphere of mutual concern and harmonious development, and further establish the values of responsibility, risk prevention and sustainable, stable and rapid development. The related function of implementing the home visit system is to urge them to correct their learning attitude and establish their learning goals. Make friends. Help them set learning goals and learning methods. How to improve control? Encourage them to sprint to the goal of "higher and stronger" and March forward bravely in the grade.

3. The focus of home visits is to comprehensively and systematically understand the living conditions, ideological conditions and social ideological conditions of employees. Feedback the employee's work performance, political and ideological status and some behavior habits to his family members. Understand the opinions and suggestions of the interviewed families on the internal management of the bank, as well as the problems and difficulties that need to be solved.

Content of home visit:

1) solicit opinions and suggestions from employees and their families on the reform and development of banks.

2) Understand the employees' thoughts, working and living conditions, especially the activities beyond eight hours. Focus on understanding employees' real thoughts, job satisfaction, difficulties in life and whether they gamble, do business, buy tickets, often go to high-end entertainment places or go out at night after eight hours.

3) Understand the basic situation of employees' families. It mainly includes parents' work and physical condition, spouse's employment situation, family's main social relations, etc. And we should focus on solving the practical difficulties of workers' families.

Why do banks need home visits when they are employed?

Because the bank needs people with family background to enter the bank, it is convenient to pull deposits in the future and improve the performance of the bank. It is almost impossible to enter the bank without financial support now.

First, the bank campus recruitment announcement believes that this provision is because many banks have set some thresholds for the entry of employees' relatives for the healthy development of the workforce, standardize the management of the workforce, and improve the internal control construction. Among them, the general bank's regulations on avoiding kinship are:

(1) relationship between husband and wife;

(2) lineal consanguinity, including grandparents, grandparents, parents, children, grandchildren and grandchildren;

(3) collateral blood relations within three generations, including uncles, aunts, brothers and sisters, cousins, nephews and nephews;

(4) Intimate affinity. Including spouse's parents, spouse's brothers and sisters.

Two, there are relatives between people, not in the same department and the same institution within the jurisdiction of the branch and the institution (refers to the branch/branch headquarters, branch/branch business department, branches).

1. When employees avoid, if their job levels are different, they are generally avoided by the party with the lower job level; If the job level is equivalent, according to the needs of the work and the actual situation, it is decided that one of them will withdraw; One side has a position, and the one without a position evades; If both parties have no positions, the party that is not the backbone of the business will quit.

2. The party who should be avoided may adjust or transfer from his post; In violation of the provisions on the avoidance of clerk employment, once verified, they will be transferred from their posts, demoted, demoted until they dismiss their posts and terminate their labor contracts.

Third, the benefits of working in a bank.

1, high social status

One of the main advantages of working in a bank is that you can muddle along. When someone asks where to work, the bank will receive envious eyes.

Step 2 cultivate eloquence

As the saying goes, whoever learns eloquence well will enter the bank. If a man of few words is gold, he can't go to the bank. Not to mention all the tasks that must be completed, you need to give full play to your eloquence advantage, that is, contacting customers every day can also greatly exercise your communication skills.

3. Be familiar with the characteristics of various credit cards.

One advantage of going to the bank is that you will be familiar with the functions of credit cards, because you will definitely face many tasks of credit cards.

CITIC Credit Card is overdue for half a year. You mean home visits?

In the case of malicious breach of credit card, it will be collected at home if it is overdue for more than 2 times.

Four points should be paid attention to when collecting home visits:

First, check each other's identity first!

The vast majority of home visits are third-party collections outsourced by banks. At first, the other party will force you to repay the loan on the grounds of home visit. If it is an appointment with you, it will rarely be a real home visit. A real home visit is usually a "surprise attack". The constitution protects everyone's home from infringement! If you don't let them in, the other side won't dare to enter. You can also say that there are elderly people in the family who are in poor health. If you have to take responsibility, the other party will naturally converge. So when we meet at the beginning, we must first know each other's identity, whether there is a work permit or not, and whether there is a "debt entrustment agreement" of the bank.

Second, control emotions and avoid conflicts!

Compliance home visits only verify the situation and agree on repayment time. The other party is usually two people, and the whole process is also recorded. Some emotional netizens will say that it is too extreme for them to "come back" when the other party comes to the door. If the other party is really threatening, you should also control your emotions to avoid unnecessary troubles caused by the escalation of contradictions. Just call the police!

Third, verify the debt situation!

Check your current debt situation with the other party. What are the principal, liquidated damages and interest respectively? If you encounter a lot of unscrupulous collection, travel expenses, communication fees and other expenses will even be included in the bill.

Fourth, read the document carefully and sign it carefully!

The other party may seize the weakness of your good face and know that you are afraid of losing face in front of your neighbors or colleagues at work, which will make you sign a repayment agreement or commitment letter again. Don't blindly sign because you are eager to let the other party go. Be sure to read the contents of the document clearly. You can refuse to sign an agreement with unreasonable repayment conditions or beyond repayment ability.

Reasons for CITIC Bank's Home Visit

Understand the family status and life of employees.

1. Find out whether employees have a second job after 8 hours. 2. Understand the family status and life of employees. 3. Understand whether employees violate the law and discipline. Home visits are all at the leadership level, and caring for employees is what every leader should do. Generally, I will visit my family at the end of the year, mainly to thank my family for their support.

This concludes the introduction of why credit card employees need home visits and how to handle credit cards. I wonder if you have found the information you need?