I. Credit card collection

There are two kinds of credit card collection: internal collection and external collection. Internal collection usually means that customers who are overdue for three months are generally bank service dunning (M0 period), electric dunning department (M 1, 2) or door-to-door dunning at various business outlets (M period)!

Outsourcing collection mainly means that the credit card center entrusts companies (some law firms) specializing in collection industry to collect some difficult, problematic, lost or small customer groups.

Second, how to deal with the overdue credit card?

1, take the initiative to repay and negotiate.

Many card friends, when they connect the collection phone, will scold the collector and finally pull the black if they say something wrong in the process of communication. This will not only solve the problem, but also let the collector directly bomb your address book.

Please note that both loan companies and third-party collection companies must answer their collection calls, and their ultimate goal is to make you pay back the money, so it is easier to negotiate later only if the other party thinks you are willing to pay back the money.

In the process of communicating with collectors, the attitude must be sincere. In addition to explaining your current difficulties, you should also explain the economic income of your current job and make a detailed and reasonable debt repayment plan to let them know that you can't keep up with the economy for the time being, which leads to your inability to repay.

In addition, don't wait for the collection call to come before negotiating. You can contact the customer service staff of the loan company to explain the situation before the deadline, and then negotiate.

2. Keep the evidence and be tough.

There are many small loan companies in the market that are not compliant, mainly in three aspects: various disguised interest deductions such as audit fees and membership fees, annual interest above the warning line of 36%, and violent collection. You know, the state explicitly prohibits these three behaviors.

In addition, the state also stipulates that the overdue penalty interest shall not exceed twice the loan interest rate. Therefore, we should also properly understand the law and use legal knowledge to negotiate with loan companies.

It's no use getting angry when urged by threats or violence. Remember to keep records and communication information of all fund transactions during the loan process, because we should be able to collect evidence whether it is a complaint or an alarm.

Finally, it should be noted that it is easy to encounter fraud when negotiating repayment. If the repayment is transferred to a private account, it will be rejected and the repayment will be resolutely refused. Remember, you can take the initiative to contact customer service staff to negotiate, and it is best to keep the evidence of negotiation between the two parties, including call records and chat records.

3. How long is the credit card overdue?

It is understood that once the credit card is overdue, there will be no violent collection, and there will be a transition time. Generally overdue within 90 days, generally collected by the bank. Collection methods include text messages and telephone calls, but basically no drastic measures will be taken. After all, banks are still afraid of complaints.

Once overdue for 3 months, the bank will outsource the collection to a third party. For the third party, they can only get the commission if the payment is successful. Some people will do anything to force cardholders to pay back. Violent collection is inevitable. If you encounter the following situations, it is undoubtedly a violent collection:

1, telephone bombing. I get more than three collection calls every day, regardless of time. In addition to calling the cardholder himself, he also harassed family and friends.

2. Explosive address book. Sending short messages to contacts in the address book exposes the information of cardholders and damages their reputation.

3. threats. For example, blocking the door at the cardholder's home, or insulting the cardholder in public, beating and insulting the cardholder and his family, and damaging the spirit and body of the cardholder and his family.

In the face of these illegal acts, we must safeguard our rights and interests, ask the name of the collection company, which institution to entrust it to, collect evidence, such as audio and video recordings, and then directly complain to the bank, which refuses to accept it, and directly report it to the CBRC or various exposure platforms.

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