Maybe it’s China Post. Those belonging to banks are usually 021.

Credit card collections are divided into two types: in-house collections and outsourced collections. Internal collections usually refer to customers who are overdue within three months. They are usually reminded by the bank’s customer service (M0 period) or electronically contacted by the collection department (M1). , 2 period) or each business outlet office will visit (M3 period) to make overdue payment reminders!

Outsourcing collection mainly means that the credit card center entrusts some customers who are difficult to handle, have problems, have lost contact or have small amounts of money to a company specializing in the collection industry (some are legal affairs) after internal collection fails. ) to make a call.

The M1 period is the continuation of the M0 period, that is, between the second unpaid bill date and the last payment date of the second bill, the credit record will be uploaded to the People's Bank of China credit system. It is very likely to affect problems such as home purchase loans or credit loans, and late payment fees will be charged at the same time. If it is before the second payment date, only one late payment fee will be charged, otherwise it will be charged twice, and the interest will be the current amount owed. Compound interest is charged!

During this period, banks will generally issue reminder collections to customers with larger amounts, that is, the collection staff of the collection department of the credit card center will call to remind them of repayment! Some banks do not collect debts during this period in order to earn more late payment fees and interest. "

The loan money will not have any consequences:

1. If the lending institution or bank fails to fulfill the court judgment during the performance period after winning the lawsuit in court, it will apply to the court for compulsory Execution.

2. When accepting compulsory execution, the court will inquire about the properties, vehicles, securities and deposits in the name of the lender in accordance with the law.

3. There is nothing in the name of the lender that is available for execution. If you refuse to fulfill the effective judgment of the court, negative information such as overdue repayment will be recorded in your credit report and you will be restricted from high consumption and entry and exit, and you may even be detained by the judiciary.

4 , if the person has the ability but refuses to execute, he is suspected of refusing to execute the judgment or ruling.

2. If the bank loan is not repaid, the banking institution will take a series of measures, as follows:

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1. The bank will call the borrower to collect the debt.

2. If the borrower still fails to repay the loan after debt collection, a certain amount of penalty interest will be incurred and the loan will be charged. Create a bad credit record for yourself.

3. If the borrower still fails to repay, the bank will send relevant staff to collect the debt in person.

4. Until the last borrower. If the borrower still fails to repay the loan, the bank will take legal measures to protect its own rights and interests. If the borrower applies for a mortgage loan, the collateral will be auctioned by the court, and the funds obtained from the auction will be used to repay the loan. Loans.

3. Overdue loans

According to the relevant provisions of the Contract Law, the borrower's failure to return the loan within the time limit specified in the loan contract is a breach of contract and shall bear liability for breach of contract. The methods of liability for breach of contract include the return of the principal of the loan, the payment of interest during the loan period stipulated in the contract, and the payment of interest on the overdue portion of the loan. The loan contract clearly stipulates that there is generally no dispute; for the interest on the overdue portion of the loan, the standard at which the borrower should pay and when the payment should be stopped is not only a big dispute between the parties, but also the standard applied by the judge when ruling on such cases. There is no uniformity, which affects the authority of the law. Lawyers believe that it is necessary to integrate this issue so that everyone can have a unified understanding of the funds invested by banks in this type of lending in the future. It may not be recovered. The possibility of suffering losses is very high. For this type of lending, commercial banks usually charge penalty interest. Overdue loans are problematic assets of the bank, so commercial banks should maintain high capital reserves. The preparation rate is generally 50.