Hello: Are you xxx? After the other party is sure. Hello, xxx, this is xxx from the credit card management center that cooperates with China CITIC Bank. Do you have a credit card with the suffix xxxx of Zhang Zhongxin Bank? Please have a look. Is this credit card in arrears? Why is it not paid? (Give the other party time to explain) I have basically understood your situation. Your credit card has not been repaid for several months, and the amount is large. You have been unable to generate information in the basic data of personal information of xx Bank, which is suspected of malicious overdraft. I hope you will pay off your debts in one time within three days, otherwise we will have to accept the entrustment of the bank and submit your relevant materials to the economic investigation department of the public security organ for filing.

Second, the ways of collection by CITIC Bank:

There are five main ways for banks to collect credit cards:

1. First, SMS collection. Mainly aimed at the early overdue repayment behavior of cardholders, which is usually 7 to 15 days overdue. SMS mainly plays a reminder function.

2. Second, telephone collection. Mainly for overdue behaviors that are more than 3 days and more than one billing period, make a phone call to remind repayment.

3. Third, collect money at home. Mainly for overdue for more than 9 days, the bank will arrange for the collection personnel to come to the cardholder's residence or work address to call for repayment.

4. Fourth, the court sued. Mainly for overdue for more than half a year, the bank will apply to the court to demand that the cardholder be prosecuted for repayment.

5. Fifth, outsourcing collection. Mainly for overdue for more than one year, the bank will package the overdue funds and discount them to the outsourcing collection company, which will be responsible for the overdue debt collection.

6. There are various methods of dunning, from initial customer service to resorting to law and outsourcing dunning, and the above methods of dunning are for reference only. The bank will still decide which method to use according to the severity of overdue. If you receive the first collection from the bank, you must find a way to return it as soon as possible, otherwise it will be easy to be sued, and the resulting illegal record will have a great impact on the future. If you can't pay off in one lump sum, you can negotiate repayment with the bank.

Third, expand the information-what to do if the credit card is overdue:

1. Actively cooperate with the bank and never be judged as malicious overdraft. After the credit card is overdue, it is normal for the bank to call for collection. Just like you owe your friend, it is the same for your friend to urge you to repay, but you don't have to worry too much. After all, the bank is a formal financial institution, even if the bank entrusts the collection work to a third party. It may be more frequent. At present, the collection of many banks is relatively standardized. After all, there is strict supervision. Under the premise of not affecting work and life, you can take it. If it affects work and life, you can choose not to take it.

2. You can pay back a little more or less every month. In order to prevent the bank from judging you as a malicious overdraft, that is to say, you don't want to pay back the money after overdraft, you can pay back some money more or less every month, even if you pay back 5-1 yuan (such repayment behavior for a long time is prohibited), which can show your willingness to repay, rather than deliberately overdue.

3. Try your best to pay off in one lump sum. In your case, you can't repay your money. You must put down your face and let your family and friends help you find a way to collect the money. According to most banks, if you pay off in one lump sum, there is a preferential policy of reduction or exemption, that is, the bank may reduce the overdue interest and liquidated damages for you, and you can pay them back slowly from your relatives and friends. This is the fastest way to get ashore and solve your troubles of being collected every day.

4. According to relevant regulations, negotiate personalized repayment. According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years. After negotiation, the monthly repayment will be between 1, and 2,5 yuan, which will reduce the repayment pressure and avoid the troubles of collection and prosecution. 3. As a credit card holder, once he is unable to repay on time due to unemployment, illness or other accidents, before the final repayment period comes, the cardholder had better take the initiative to call the bank credit card center to state his financial situation, declare that he is not maliciously in arrears, and apply for delayed repayment and interest concessions.

5. In view of the cardholder's active performance and previous good credit record, the bank will often agree to postpone the repayment, and negotiate with the cardholder a mutually acceptable repayment plan, delay period, interest discount, monthly repayment amount, etc. In this way, if you contact the bank actively and the bank agrees to postpone the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.

6. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you use a card to terminate, the corresponding record will not scroll, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years and maintain a good credit during the period, so that the bad records can be removed from the credit information system by rolling records.