What are the methods of bank collection for overdue credit cards? Are you afraid? Think carefully about banks, which are financial institutions affiliated with the national system. Collection methods are within the scope of the law. As long as you know the bank’s collection methods and how to deal with them, you will not be afraid. After all, you are not the same as a loan shark company. Don't be afraid ~ the law is your weapon.

Are you afraid?

Collection methods for bank credit cards:

1. SMS collection. It is mainly aimed at the overdue repayment behavior of early cardholders, which is generally 7 to 15 days overdue. SMS mainly serves as a reminder.

(1) A normal reminder text message. The content is quite satisfactory, informing you of the serious consequences of debt arrears, plus earnest persuasion.

(2) Ball-shaped reminder text messages. Content generally falls in a gray area between illegal and legal. They usually use the pretext of being suspected of credit card fraud to scare cardholders into repaying their debts voluntarily.

(3) Illegal collection text messages. The content is mostly insults, threats, and intimidations, and most of them will bring down eighteen generations of your ancestors, or make your family restless, making you unable to live. At this time, the cardholder can report the illegal behavior of the collection subject, so that the competent authorities can investigate administrative and criminal liabilities in accordance with the law.

2. Telephone collection. Mainly for overdue behavior that exceeds 30 days and lasts for more than one billing period, telephone reminders are provided for repayment. Usually, collection agents will pretend to be the cardholder himself or a relative of the cardholder and call various information service providers. By gaining the operator's trust, they can illegally obtain the cardholder's private information without leaving any evidence. Next, as long as you have a relationship with your relatives, friends, and colleagues, no one will be spared and cannot escape the ding of the phone.

3. Door-to-door collection. Mainly for overdue payments of more than 90 days, the bank will arrange collection personnel to visit the cardholder's residence or work address to collect repayment. Usually there is a large amount of debt, or other means are ineffective. However, some collection agents will harass cardholders, illegally invade other people's homes, illegally detain others, and impersonate police officers. In the event of violent collection, cardholders must be aware of evidence and record and videotape the incident to ensure their own safety.

4. Prosecution in court. Mainly if the card is overdue for more than six months, the bank will apply to the court and require the cardholder to sue for repayment.

5. Outsourcing collection. Mainly for overdue funds of more than one year, the bank will package the overdue funds and give them at a discount to an outsourced collection company, which will be responsible for collecting overdue debts.

6. Collection of criminal reports. In this case, door-to-door collection methods are of no use, and the only alternative is for the public security agencies to take action. Usually, the crime of malicious overdraft credit card fraud is reported, and the person will be accompanied by public security personnel, which has a strong deterrent effect on the cardholder and will pay off the debt as soon as possible.

7. Litigation collection. This is the last resort for collection. The card-issuing bank files a lawsuit with the court on the basis of a credit card dispute. If the court finds out the facts, it will make a corresponding judgment and require the cardholder to repay on time. If it refuses to repay, the bank can also apply for enforcement based on the judgment, thereby realizing the creditor's rights.

Collection methods of bank credit cards

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How to deal with the bank’s overdue credit card problem next:

First of all, you need to know:

Whether it is the bank or the third-party collection agency entrusted by it, give you When calling you, they keep telling you, "You are suspected of credit card fraud," "I'm going to court to sue you," and so on. They are all meant to scare you. Their purpose is very simple. They all hope to scare you. You then ask you to pay it back as soon as possible.

So, when you receive a similar call, you must first correct your attitude and don't be afraid.

The second is some communication skills.

The most basic thing is that you have to deal with them based on your actual repayment ability.

In short, don’t let them lead you by the nose.

You have to believe that banks are also commercial institutions open for business. They can make money, but they also have to bear the business risk of not being able to recover the money.

Although it is wrong to owe money, the person they are collecting money from is not the one who insults others by shouting and complaining.

So you can ask them for fee reductions and installment repayments based on your actual earning capacity.

Some banks will definitely agree. For those who disagree.

You can try to guide them to take court proceedings, because if you owe money, going through a court trial will definitely be in your best interest.

Some people are annoyed by collection calls. There is a basic principle in this situation: you don’t have to be direct all the time, but you can’t just not answer the phone all the time!

How to deal with the bank’s overdue credit card problem

Finally, the editor hopes that everyone can face the bank’s collection methods rationally, neither be afraid nor stubbornly confront them, and pick up the correct ones. methods and legal responses.

Pick up the correct methods and legal responses