In the face of dunning, we have seen some in other ways. Some banks are attacking and intimidating debtors in dunning. In fact, in the face of such behavior, debtors can sue dunning banks according to their own rights.

if a cardholder is confronted with violent collection by the bank due to overdue credit cards, how to deal with it correctly?

First of all, we should understand a relevant regulation on credit card supervision of commercial banks. The issuing bank should collect the debtors and their guarantors, and should not collect the debts from third parties, and should not use violence, coercion, intimidation or abuse. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.

collection of bank credit cards can be divided into bank collection and outsourcing collection. If the bank's collection attitude is basically good, if it is outsourced, there will be no good one.

at the first time of collection, the debtor should remember a few points, confirm the identity of the other party, ask the other party to show the power of attorney and other relevant certificates, and also record it, so that the other party will somewhat converge.

if the other party's attitude is still bad, threatening, intimidating and other violent acts to the debtor, call the police directly.

if the address book is exposed, directly complain to the bank, CBRC, media, etc., and you can also choose to call the police if necessary.

repayment is due to temporary inability, so you can actively explain your situation to the bank, show that you have no malicious intention to owe money and are willing to repay, and you can negotiate a repayment plan with the bank correctly.

if you want to deliberately refuse to pay it back, it will not only be a collection, but also be sued by the bank, and you may end up in jail.