Today I will tell you about the collection process of credit cards. In fact, it is similar to the collection process of online loans, and there is basically no change. Generally, when a credit card is overdue, they will call you for collection, but it is not like online loans that call your address book. It can only contact the contact information you left when you applied for the credit card, but it will also search and contact the village of your registered address. committee or district committee. When phone collection is ineffective, the bank will also contact you if your overdue amount is too large, but these are all reasonable and compliant. If your amount is not very large, the bank will hand it over to a third-party outsourcing collection company, which will also be collected over the phone. During this period, they will also contact you by phone and email. During this period, they may send court leaflets to your registered address. This is also done by the bank itself, with the purpose of scaring you into settling the debt.

If you are really worried, on the premise that your funds can still be turned around, you can also go to the bank for another installment. It depends on what the bank says. If you are overdue for a short time, 90% of the time you will not agree to another installment. Of course, since you choose to be overdue, don’t think about credit reporting or anything else. There are gains and losses. It’s impossible to miss out on credit reporting after the deadline. I suggest that if your funds are unable to be turned around during this period, you should pay back dozens of yuan every month. When you have saved enough money, you can then contact us for tax exemption and settlement. This way, your losses will be minimized.

Here I also suggest that you change your job. After all, the bank’s search system is better than those of online loans, and it can find more information about you. Therefore, your previous workplace phone number was inevitably called every day. Working in such an environment every day was also a kind of psychological torture for you. Also, there will be a lot of phone calls every day when you are just overdue, but as time goes by, your phone calls will not be so many.

The most important point is that you will not go to jail if your credit card is overdue. If the overdue amount is relatively large, the bank will sue you, but don’t worry, just pay it back if you have the money. Negotiate the money carefully. Even if you sue, the final judgment of the court will let you repay in installments. It is impossible to force you to death. The most important thing is a positive repayment attitude. So to sum up: collection means making phone calls, sending text messages, annoying your family and friends, and staring at you like a fly until you repay, and the matter is resolved.

Installation after overdue credit cards, also known as personal debt restructuring, can help debtors not only protect their basic life but also make reasonable repayments within their ability to repay, and avoid collections and asset disposals. If there is a financial problem, it is not recommended to pay back a few hundred or one thousand, as interest and liquidated damages will be deducted if you do so. Either relatives and friends can pay it off in one lump sum, and the bank will waive or waive overdue interest, or they can suspend the interest rate and suspend the debit account so that the interest rate does not rise, and repay the loan slowly to avoid collection and prosecution!

Organize debts, plan repayments appropriately, and avoid prosecution. We have solved the debt problems of thousands of card friends. May you be warm in winter, may you not be cold in spring, and may you not be troubled by debt.

Weixing’s End of the Line: Xiecheng Debt Clearance” focuses on actual cases of overdue credit cards, interest-free installments, and personalized installments.