It can be because the legal staff of China Merchants Bank belongs to the formal legal department of China Merchants Bank and signed a formal employee contract with China Merchants Bank, so the legal staff of China Merchants Bank is a formal employee.

The credit card is overdue, saying it belongs to the legal department. Is it true?/You don't say.

Really, the bank also has a legal department.

1. If the overdue time is too long, personal credit will be affected, and the bank will truthfully feedback the cardholder's card usage according to the requirements of the People's Bank of China. Moreover, during this period, there will be commissioners in the bank who will call for payment by SMS, telephone, door-to-door, etc., and there will be relevant agreements on the application form when handling the card. If the card is seriously overdue, the bank will reserve the right to pursue it according to legal procedures, and there will also be SMS notification. Don't lose big because of small. Or contact the bank to see if we can negotiate repayment.

Second, the overdue amount of a credit card needs to reach more than 50,000 to be criminally liable. There are two preconditions: 1 malicious overdraft and 2 illegal possession. Generally no the State Council will contact you. They are all collection companies outsourced by banks. They will only send messages to you and your family and call for money. So no the State Council will come to you! Of course, the most important thing is to return the credit card money quickly! Affect personal reputation!

Third, once the credit card is overdue, the most direct problem is to affect the credit investigation. After all, credit information records everyone's credit behavior, which can affect the future car loan situation, as well as other financial transactions, and some even have an impact on children. Not all credit cards will be credited immediately after they expire. There is usually a tolerance period of about three days, which means that these three days are considered as the grace period of the bank. You can contact the bank to explain the situation. After paying off, you can ask the bank to issue "non-malicious overdue" materials, and there will be basically no problem. Tip: ICBC has no time limit.

Fourth, after the credit card is overdue, it will be reflected in the credit report according to the number of days. According to 30 days as a counting standard, 30 days overdue is marked as "1", and 180 days is marked as "6". The higher the number, the greater the impact on your future life!

Five, and what we usually call "three consecutive six" is also an important reason that affects credit reporting. "Three consecutive days" means three consecutive months overdue, while "six consecutive days" means six or more overdue times. In nature, "Lian San" is more harmful than "Liu Lei", because it may be considered as "malicious", unlike "Liu Lei" who is considered to have some faults.

What is a credit card law officer?

Generally, it is to handle credit card litigation.

For credit card debtors,

Recover arrears.

The police office of the second brigade of the Economic Investigation Detachment of Xi Public Security Bureau of Minsheng Bank: The case of Minsheng Bank's credit card suspected of malicious overdraft has been in the Economic Investigation Detachment of Xi Public Security Bureau.

The police office of the second brigade of the Economic Investigation Detachment of the Municipal Public Security Bureau of Minsheng Bank: The suspected malicious overdraft of Minsheng Bank credit card has been filed in the second brigade of the Economic Investigation Detachment of the Municipal Public Security Bureau! I inquired about your social and work relationship on the public security network. On May 4th, 2006, 5438+05 Public Security Network issued an investigation notice! Send the local office to your home and inform your family! Investigate and collect evidence! Pay off all debts immediately: 15720, no.

Credit card collection skills

1, the collection posture is very important:

Let the customer know that you are not here to say hello, but to ask for money, so put on a collection posture. The collection gesture mentioned here is not just that you want to blow your beard and stare at the customer, but that you got the money and I paid a certain price. It's time to pay back the money.

2, the purpose is clear, avoid beating around the bush:

When you have a posture, start to urge the collection. At this time, you should not pour out greetings with customers. Today, you should state your purpose directly. You just came here to collect money today. You must make things clear before customers complain. Paying off debts is a matter of course.

3. Grasp the collection opportunity according to the repayment enthusiasm of customers:

You must go before the appointed time and arrive at the appointed place one step earlier than the customer. This is a way to collect money. Avoid customers saying "I waited for you for a long time and didn't come, so I left", and at the same time avoid customers using the loan that should have been repaid for other purposes.

4. Refuse customers to draw pie:

Some customers will draw you a big cake first when you receive it. The so-called cake painting is to tell you how much money we can recover when all these goods are sold. How much profit can our equipment bring online, and so on. At this time, don't be fooled by customers, or be determined to collect money.

5. Before collection, make clear the reasons for customers' default:

Before the collection, the loan officer should find out what caused the customer to fail to repay the loan on time, or was it too careless to forget the time and dissatisfied with the product? Money is tight? Or just don't want to pay back the money? Only by finding out the real reason of customers' arrears can we adopt different dunning strategies.

This concludes the introduction of the Credit Card Law Specialist and the Credit Card Law Specialist. I wonder if you found the information you need from it?