1. Without the consent of the debtor, it is forbidden for the collection personnel to call or go abroad for collection between 10 at night and 8 am.

2. It is strictly forbidden to collect and harass third parties unrelated to debts.

3. When contacting a third party, you shall not disclose any information about the debtor's arrears, but only ask the debtor's contact information or ask him to tell the debtor to contact the agency on his behalf.

4. When the third party explicitly requests not to contact, the collection personnel shall stop relevant behaviors.

5. Collection personnel shall not carry out collection activities as administrative/judicial organs.

6. It is strictly prohibited to use threats, harassment, intimidation, fraud and other improper acts to demand payment from the debtor.

Will overdue credit cards affect children?

As an advanced consumption tool, credit cards now have one or two names in many people's names. Using a credit card does have many benefits, but you must remember to repay on time, otherwise the impact of overdue is still great.

If the credit card has bad behaviors such as overdue repayment, it will generally not affect the children, and it will not directly affect the children. The main impact is on cardholders, overdue penalty interest and increased repayment pressure, which affects personal credit information and produces stains.

However, it should be noted that if the credit card is particularly seriously sued, or it is included in the list of untrustworthy people by the court, it will have an impact on children. At this time, children can't go to private schools, and even affect the civil service exam. Therefore, parents must repay their credit cards as soon as possible after they are overdue.

What if the credit card is overdue?

1. Actively cooperate with banks. After the credit card is overdue, the bank will generally collect it. We should actively cooperate with banks and pay attention to answering bank collection calls. Under the strict supervision of the state, there are few violent collections, so don't deliberately refuse to answer the phone for fear of violent collections, which may be considered as malicious overdraft by banks. If the overdue amount reaches 50,000 yuan, and the cardholder is deemed as malicious overdraft, then he may bear criminal responsibility. Therefore, after the credit card is overdue, it is recommended to actively cooperate with the bank for collection, inform the bank of the reasons why you are temporarily unable to repay, and indicate your willingness to repay, and see if you can apply for negotiation repayment.

Credit card users can pay back a little more or less every month. As long as credit card users have repayment behavior, they can avoid being considered as malicious overdraft by banks. Moreover, if the cardholder has repayment behavior, the bank will not easily sue the overdue users, and pay a little more or less every month, which can let the bank see that we have the willingness to repay the arrears.

3. Try to apply to the bank for negotiated repayment. If you can't repay in full temporarily, you can apply for installment or deferred repayment. When negotiating repayment, you should pay attention to explaining the reasons for your overdue and show your willingness to repay, so that you can have a chance to apply successfully. If the bank agrees to negotiate, you can repay the loan as agreed after negotiation.

4. Try every means to turn around and pay it off at one time. If the credit card is overdue, there will be interest charges. If the overdue debt is not paid off for one day, it will generate one day's interest expense. So in this case, it is suggested that you can borrow money from friends and relatives around you to pay off the debt at one time, and then pay it back to friends and relatives slowly.

legal ground

civil law

Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.