Fake, this is a common intimidation method used by debt collectors. Ignore him. After your credit card is overdue, the debt collector will say that he will go to your place of residence to investigate. If there is no problem, just let him investigate. They are affiliated with the bank. If you have done something illegal, you can sue the other party and ask the other party to pay the price, and you don’t have to be afraid at all.

When the bank issues a credit card to you, it has been approved at all levels. It thinks that your credit is good and it can make money from you, so it issues you a credit card. This is just a business, and the business is just a business. There will be risks, and credit cards are no exception. There will always be times when people are tight and unable to repay. From a legal perspective, if your credit card is overdue, as long as you do not have malicious overdraft, it is just a civil dispute.

When it comes to debt collection issues, those who contact you and have bad attitudes and forceful debt collection are almost all collectors from third-party collection companies. Such people have only one purpose, which is to make you uneasy. , and then repay the money obediently, otherwise they will have no performance. What debt collectors say is the most unreliable and has the most tricks. If every credit card debtor is overdue and they have to visit one by one to investigate and collect evidence, I'm afraid they will be overwhelmed.

1. Overdue loans will continue to increase bank penalty interest every day, and will increase the financing difficulties of other financial institutions in the future. Are you trying to find a way to pay off the down payment?

2. When will you come back? Can you repay the loan through other means, such as transferring funds from other places or asking friends and family to repay the loan on your behalf?

3. Our repayment time is fixed every month, and the repayment time and amount are clearly stated in the loan agreement. We send text message reminders and phone calls to customers who repay each installment. But this is just a value-added service we provide to our customers, not an obligation, so failure to receive text message reminders or phone reminders cannot be used as a reason for overdue service.

Collection skills:

1. The collection work is reasonable and legal, and the collector should be neither humble nor overbearing.

2. Collection personnel need to master the ability to listen, listen and inquire.

3. Grasp the degree. The most taboo in debt collection is to speak your mind fully, so it is very important to grasp the "degree" and leave room for communication for future collection work.

4. Know how to apply reasonable pressure.

5. Learn some psychological tactics, restore the debtor’s psychology, and find out the real reasons and psychological motivations for the debtor’s non-repayment.