How to avoid door-to-door collection when applying for Pudong Development Credit Card

1. Applying for Pudong Development Credit Card first and avoiding door-to-door repayment on time is the most effective way to avoid door-to-door collection.

2. Secondly, it is often overdue due to various reasons.

3. Finally, do not deliberately avoid the debt collectors, but communicate with them to express your personal willingness to repay.

How long will it take before a Pudong Development Bank credit card is overdue?

Generally, if the credit card is overdue for less than three months, a reminder will be issued, and if it is overdue for more than three months, a credit card will be called. Therefore, even if you cannot repay the loan in full, it is recommended that you pay back some every month to prove that you are willing to repay, but there is a problem with your repayment ability, so the bank will not accept you and will not negotiate with you.

The longer a credit card is overdue, the more serious the problem. If you are overdue for more than one week, the bank will reduce your credit card limit and urge you to repay. Within one month after the due date, the bank will notify you by phone or text message to repay the loan. Otherwise, credit information will be collected and penalty interest will be charged. If it is repaid within this time period, the bank will not take any enforcement measures to ensure the collection progress.

If the payment is overdue for more than one month or longer, the bank will require a third party to collect it on its behalf. Collection notes are no longer limited to bank collection notes, you can contact family and friends who are harassing you. If you don't want this, pay it back early.

According to relevant regulations, as long as the user's credit card is overdue for more than three months, the bank has made at least two effective collections on the user during the overdue period, and the user still has no intention to repay, it is a malicious overdraft, and the bank has the right to hold the card people. Once a lawsuit is filed, the user will be judged accordingly based on the seriousness of the overdue period. In serious cases, the user may be imprisoned.

: Overdue remedies:

1. Repay in full and explain. If you accidentally miss the repayment date, you must repay it as soon as possible, preferably in full. Then call the bank's credit card center to report non-malicious debts. If the past record is good, the overdue period is short, and the overdue repayment is found to be good, it may not necessarily be recorded as a bad record. Be sure to pay attention to the bank's bill notifications and collection information in the future to avoid overdue payments.

2. Overdue payment cannot be ignored. Some people apply for credit cards that they don’t use frequently. When a credit card is overdue, they simply ignore it, neither paying it back nor selling the card. In fact, this approach is very wrong. If you consistently miss your payments, you'll end up with bad credit on your monthly credit report. And if you don't repay for many months in a row, the bank will be convicted of malicious debt. Moreover, the amount in arrears will become larger and larger, and in serious cases, you will be sentenced and fined.

3. Never "run" if the credit card is overdue, the credit card center of the issuing bank will charge it. Some people try to "escape" by changing their address, mobile phone and other contact information so that the bank cannot contact them. This approach is not advisable. When applying for a credit card, the real-name information has been recorded by the bank. Once you run away, the bank will consider it a malicious overdraft and default.

4. Continue to use this card. Credit card repayment information will be recorded by the central bank's credit information system for 24 consecutive months, that is, bad credit records caused by overdue credit card repayments will be kept in the credit information system for two years. If the card is terminated, the corresponding record will no longer be rolled, but will be saved for a long time. Therefore, after overdue repayment of a credit card, it is best not to cancel the credit card immediately after paying off the debt. Instead, keep using the card for more than two years and keep your credit good during this period. This way, the bad records can be removed from the credit information through rolling records. Cleared from the system.

5. Inability to repay must be explained promptly. If the cardholder is unable to repay on time due to unemployment, illness or accident, etc., before the final repayment period, it is best to contact the bank's credit card center to state his financial situation, declare that he has no malicious debt, and apply for a deferral of repayment. and interest discounts. But be careful and promise to repay as agreed in the future.

Is it true that the overdue credit card of Pudong Development Bank, which is more than 2,000 yuan, requires a visit to the place of residence?

Unlikely.

If a user's credit card is overdue, the bank usually collects the money through phone calls and text messages, including outsourced third-party collection companies.

But that doesn’t mean banks won’t come to your door. It’s still possible to visit your home to understand the situation, but home visits and other means are basically impossible now, and you may break the rules accidentally.

In addition, during the credit card collection process, it is not allowed to harass third parties or threaten or abuse the debtor himself. Users can keep relevant evidence and go to the bank headquarters or the China Banking and Insurance Regulatory Commission. Make a complaint.

Overdue credit cards will not only be reported to the credit report, leaving a stain on the credit report, but in serious cases, the bank will continue to accumulate penalty interest during the entire overdue process, so it is recommended that users If you want to repay, if you are willing to repay, you should take the initiative to contact the bank to negotiate a new repayment plan.

1. What are the consequences of overdue credit card?

When using a credit card, we can generally enjoy an interest-free period ranging from more than 20 days to more than 50 days, but if it exceeds the interest-free period, If we have not repaid the bill within the interest period, then our bill will be overdue, and the corresponding primary penalty is that we will bear the corresponding overdue interest.

The main impact of overdue payment is not the penalty interest, but that our overdue records will be uploaded to the central bank’s credit reporting system, so we will also leave bad records caused by overdue payments. A tainted credit report will have many impacts, such as our subsequent mortgage and car loans, personal travel, employment, etc.

If the degree of overdue payment reaches a very serious level, it will constitute a malicious overdraft and will be prosecuted as a credit card crime. The sentencing standard will be based on the amount of our malicious overdraft, which is less than 5 years, more than 5 years and less than 10 years, more than 10 years or more, and the penalty is more than 20,000 yuan but not more than 200,000 yuan, and more than 50,000 yuan but not more than 500,000 yuan. Fines or confiscation of property.

If your credit card is overdue more than 6 times within two years, you will not be able to apply for a provident fund loan. There may be a chance of saving if we accidentally overdue once or twice, but if we are overdue three times and six times in a row within two years, then our provident fund loan will be out of reach for us. Because when banks or provident funds handle credit business, they mainly rely on the credit history of the lender in the past two years. Therefore, cardholders who want to apply for provident fund loans to buy houses must pay back on time when using credit cards

If the overdue payment is not serious, then in theory we can still apply for bank loans. Many cardholders who want to borrow money to buy a house have been overdue and have a bad credit record. If you apply for a commercial loan in this situation, because of your credit problem, most banks will increase the base interest rate by at least 10%. Obviously, your cost of buying a house will increase greatly. If the number of overdue loans is high and serious, then you will be directly denied a loan by the bank. Therefore, when using a credit card, considering that we have plans to buy a house in the future, we must not be overdue.

The Pudong Development Bank Credit Card comes to your door for collection and requires all repayments within 5 days

You can try calling customer service to explain and apply for a deferment of repayment. You will not be charged interest or late fees. Then pay it back right away. Not a big problem.

If the payment is overdue for more than one month, that is to say, when your current bill comes out and your previous payment has not been paid, it will be recorded on your credit record. If it still goes up within this period of time, it's not a big problem.

The blacklist is for those who have repeatedly overdue or maliciously overdue. If you usually forget to repay and overdue once or twice, you will not be included in the blacklist. The bank will only upload your credit report to the Bank of China on a regular basis. However, if there is a past due record, there will be some minor trouble in getting a loan in the future. Therefore, you can consider making a linked account for repayment or customizing a reminder for repayment, which will be more convenient in the future.

How long does it take for a Pudong Development Bank credit card to be overdue?

Under normal circumstances, if the overdue credit card is within three months, a call will be made to collect the payment, and if it is overdue for more than three months, the credit card will be called or visited. Therefore, even if you cannot repay the loan in full, it is recommended that you pay back some every month to prove that you have the willingness to repay, but there is a problem with your repayment ability. In this case, the bank will ignore you and negotiate with you.

The longer the credit card is overdue, the more serious the problem will be. If it is overdue for more than a week, the bank will reduce the credit limit to urge you to repay. Within one month of overdue payment, the bank will notify you by phone or text message that you have repaid the loan. Otherwise, a credit check will be conducted and penalty interest will be charged. If you repay the loan within this time period, the bank will not take any action. Enforcement measures to ensure dunning progress. If the payment is overdue for more than one month or more, the bank will ask a third party to collect the payment. Collection forms will no longer be limited to bank collection forms. They may contact family and friends who harass you. If you don't want this, repay the loan early.

According to relevant regulations, as long as the user's credit card is overdue for more than 3 months, and the bank has made at least two effective collections on the user during the overdue period, and the user still has no intention to repay, it is a malicious overdraft. The bank has the right to prosecute the cardholder. Once the case is filed, the user will be sentenced accordingly according to the seriousness of the overdue payment. Serious cases may be imprisoned.

1. There are currently two methods for calculating the minimum repayment interest in China, full penalty interest and partial penalty interest. Most banks adopt the method of full penalty interest, that is, only the full penalty interest is calculated before the repayment date. If the minimum repayment amount is not paid in full, then not only the interest on the outstanding part must be paid, but also the interest accrued on the entire amount due from the consumption date to the repayment date at a rate of 0.5% per day. Another calculation method is that when the loan is repaid in full, only the interest generated on the outstanding portion must be paid, which is also based on the daily interest rate of 0.5%.

2. If you miss the repayment date due to negligence, you must repay the loan as soon as possible after discovering that it is overdue, preferably in full. Then call the bank's credit card center and state that the debt is not malicious. If the record has been good in the past and the overdue time is short, and it is found that the repayment is good after the overdue period, it may not be recorded as a bad record. Be sure to pay attention to bank bill notifications and collection information in the future to avoid overdue payments.

This is the end of the introduction about the overdue Pudong Development Credit Card visits and whether you will use your mobile phone number to call when the Pudong Development Credit Card is overdue. Did you find the information you need?