Some time ago, the problem of "violent collection" of cash loans became a hot topic. Nowadays, cash loans are strictly regulated, and more and more people who need funds return to traditional financial institutions such as banks, and more people apply for bank loans or credit cards. However, don't think that you can't get back the money you owe the bank. If the credit card is not repaid for a long time, the bank will also ask for it.

So, how do banks collect overdue credit cards?

Bank collection includes the following ways:

First, short message collection

Short message collection is aimed at the cardholder's early and overdue repayment behavior. Generally, within 15 days, the bank will send a short message to the cardholder to remind him that the credit card has been overdue, which will generate interest and late payment fees and need to be repaid quickly.

Second, telephone collection

If SMS collection is ineffective, the cardholder has been overdue for a period of time, or has exceeded a billing cycle, the bank will manually collect it. At this time, it is not a reminder, but a request for cardholders to repay quickly.

Third, on-site collection

Mainly overdue for more than 90 days, the bank will arrange the collection staff to collect the repayment at the cardholder's residence or work address. This is a serious situation. Usually, the amount owed is relatively high. It is necessary to know that there is a cost for banks to arrange manual door-to-door visits. This is why friends in some places can't get bank credit cards. Because banks don't have this kind of credit card business. Once the local users don't repay the money, the bank can't collect it.

Fourth,

Mainly overdue for more than half a year, the bank will apply to the cardholder for repayment.

Verb (abbreviation for verb) outsourcing collection

Mainly for overdue more than 1 year, the collection by the above means has no result. But the debtor owes a lot of money, and the bank has no other way. It will discount this debt to the outsourcing collection company and let the outsourcing collection company collect it. If it reaches this stage, it will be even more serious. The collection methods used by outsourcing collection companies are often very strict, even on the edge of the law, including SMS and telephone bombing, calling relatives and friends of debtors to collect money, and door-to-door collection.

It can be seen that overdue repayment of credit cards is not a trivial matter, and banks also have collection methods.

If the credit card is overdue, how to remedy it? Pomegranate Jun gives you the following advice:

(1) Don't cancel overdue credit cards.

Don't cancel the overdue credit card directly, but continue to use it and repay it on time. In this way, a good repayment record can be used to cover up a bad record.

(2) Take the initiative to explain the situation to the bank and apply for grace period and interest relief.

If the cardholder really can't pay back the money, he should contact the bank in time to explain the situation and apply for grace period and interest reduction. Banks will also give a certain degree of exemption according to the specific situation of cardholders.

(3) Repay part of the borrowed funds first.

The money owed to the bank involves credit records, which will affect the application for mortgage and car loan in the future. If possible, try to borrow money from relatives and friends and pay back the bank debts. If you can't pay it off in full and on time, you should also pay part of it to avoid being blacklisted.

(4) Never run away.

Don't run away or "break the jar" to be an old lai. In the information age, Lao Lai is almost unable to move, and the consequences are quite serious.

Second, who has a typical example of banks collecting overdue loans?

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3. Who has a typical example of banks collecting overdue loans?

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4. How does loans overdue collect the money? Mainly these aspects!

There are many kinds of bank loans, and they are regular and low-interest, so many people will choose bank loans as soon as they have problems with their funds. However, overdue will have serious consequences, which will not only affect credit collection, but also affect the way of violent collection, mainly including

1, SMS or email reminder

At the beginning, because the overdue time is not repaid, the bank will not collect too much, but will only take the form of SMS or email collection, and repay the loan in time within one week after the overdue time.

2. Telephone collection

If it's over, an artificial customer service will call you to remind you of the current overdue status and situation, and you should repay in time. If you really have difficulties, you can negotiate with customer service to see if there is a solution.

3. Contact person

If you can't get through or don't answer the phone, you can call the emergency contact. If you don't want your family to know or be harassed, it is recommended to keep your mobile phone open.

4. Family collection

If you can't collect the overdue money in the early stage, the bank may send someone to your door, but this happens in personal loans.

5. Third party collection

Directly entrust a professional collection company to the guild. Remember to complain to the bank if you are violently urged to pay. there will be

6. Litigation collection

In rare cases, banks will disclose property and dishonesty to the public.