1. Don’t be afraid of door-to-door credit card collections! Why?
1. After the cardholder’s credit card expired, the bank failed to send the message through text messages many times. Telephone collection will be outsourced to a third party to save prosecution costs. However, this kind of collection requires a legally authorized agent. Behavior after door-to-door collection must comply with legal provisions, and inappropriate behaviors such as violence, coercion, intimidation, and abuse shall not be used.
2. Don’t worry about collection agents harassing relatives and family members in disguise, because this is also illegal. According to the "Measures for the Supervision and Administration of Credit Cards of Commercial Banks", collections can only be made to the guarantor in addition to oneself, and unrelated persons should not be affected. It is illegal to enter a cardholder's home without permission, scare the elderly, minors, intentionally harm or even kidnap the debtor.
2. The legal process of door-to-door collection of credit cards
1. The main target of door-to-door collection is the borrower himself. Only when the cardholder cannot be found will the search for the related person's address begin. The related party is usually the guarantor or other family member of the debtor when handling business. relative. friends and colleagues. Of course, all actions are based on legal collection and communication.
2. The collection address mainly includes residential address, work address, mailing address and household registration address. The residential address was the preferred location until the domicile address was excluded on a case-by-case basis. If the amount involved by the debtor is too large, even if the debtor has a registered permanent residence in other places, the bank will arrange for the risk control department to invite special personnel to visit the debtor.
3. Foreign collection personnel will carry recorders and other door-to-door equipment for door-to-door collection. There will be a standard speech before formal contact. After the communication is completed, the debtor will sign a collection notice. If the relevant person should come, they will be asked to sign on their behalf. After a normal round of processing, they will come back with the materials.
3. New regulations on credit card overdue in 2021
The new regulations stipulate that overdue credit cards meet the following conditions for malicious overdue:
1. For the purpose of illegal possession;
p>
2. Exceeding the prescribed limit or overdraft within the time limit;
3. The credit card bank has not repaid the loan for more than three months after two effective collections.
Therefore, the cardholder must not maliciously overdue the card, which would constitute a crime of fraud, and it would be troublesome to bear certain criminal liability. However, it should be noted that when a credit card debtor meets the above three conditions at the same time, it constitutes a malicious overdue payment. There is no need to worry too much about door-to-door collection and other behaviors. Timely repayment is a fact.
Overdue debts are collected, with constant interest and constant phone calls, which seriously affects life. Consult legal affairs, help suspend pending debts, extend the repayment cycle, and professional lawyers will develop personalized solutions for you.