10684200 Collection SMS

10684200 SMS collection needs to be treated rationally. First of all, be sure to check whether you have borrowed money or not, so as not to be cheated.

When collecting this kind of short messages, we always focus on "collecting bad debts, affecting family members, taking prosecution procedures, breaking faith in the executed person, freezing capital accounts, limiting height, etc." First of all, we must understand that the list of people who have been executed for breaking their promises, the enforcement of assets under their names, and the restrictions on high consumption and tourism must go through a series of judicial procedures and be enforced by the court. There is also a premise that you have been sued by the bank. Financial institutions and collection companies do not have this judicial power.

In the face of collection, you should be rational and know that you have never borrowed money. You just need to do the following:

1) Check all the savings cards in your name to make sure there are no unknown funds in the account. If there is, don't touch the money. Go to the bank and make a copy of the running water for later use. If there is no unknown money, nothing will happen.

2) Ignore any dunning information, especially those with repayment links that let you add the other party's WeChat. Liars are always superior to you. They will make a link page in advance, forge your loan information, make you mistakenly think that you really borrowed money after clicking on the link, and then threaten you to give money under the pretext of letting friends and relatives know about the address book.

3) More advanced scammers will really get your address book. There is no way. After all, all apps can read the address book, and you can't be sure which app you downloaded. If they really broke the address book, they would take the bank account I mentioned and go to the police to file a case. Prove that you have not borrowed money, and you can go to the People's Bank to make a credit report if necessary.

Handling method of overdue credit card: stop loss in time and stop dunning. The central bank has long issued relevant supporting policies for overdue credit cards: according to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement, the longest of which shall not exceed 5 years.