What should you do if your credit card is overdue and you call your family to harass them? This is what you should do if you encounter this situation

Many people think that the consequences of an overdue credit card are only affecting the credit of the cardholder and incurring high interest rates, etc. , but everyone knows that it will also affect the normal life of the cardholder’s family. According to what we know, some banks will call and harass the family members of cardholders when they fail to collect payment after the card is overdue. Faced with phone harassment from banks, how should cardholders protect their rights and interests?

Regarding this issue, we have to analyze it from several aspects. One is to see whether the bank's collection behavior is legal, and the other is how to protect its own rights and interests.

1. Is it legal to harass family members with overdue phone calls?

Overdue credit card collections are generally divided into two forms, one is internal collection by the bank’s credit card collection department, and the other is bank entrustment Use third-party companies for collection, but no matter which method of collection is used, legal means must be used, and legal collection methods do not include improper collection behaviors such as violence, coercion, intimidation, or abuse.

Although it is legal for banks to recover debts from cardholders or to entrust third-party agencies, it is illegal to continuously harass the cardholder’s family over the phone. Because according to the "Regulations on the Supervision and Administration of Credit Cards of Commercial Banks", collection can only be carried out on the debtor himself and his guarantor, and no collection can be carried out on third parties unrelated to the debt.

2. What should you do if your family members are harassed by phone calls overdue credit cards?

According to the "Commercial Bank Credit Card Supervision and Administration Measures", collection can only be targeted at the debtor himself and his guarantor. Other family members If a friend is being harassed, you can choose to call the police.

That is to say, if your family is harassed by phone calls from a bank or a third-party debt collection company outsourced by the bank, and the debt collector threatens, intimidates or abuses your family over the phone, then you can choose to call the police and seek legal advice. To protect your own rights and interests, of course you must provide evidence of the other party’s violent collection before calling the police.

As for how to collect evidence, you can proactively contact the other party and record the entire process as evidence. Tell them on the phone about your current situation, tell them that you are willing to pay back the money, ask them to stop harassing your family on the phone, and tell them that the law does not allow violent debt collection, so that you can completely record the other party's tone. , and related things.

After collecting the evidence, call the police immediately. You can hand over the collected phone recordings to the police as evidence and ask the police to impose administrative penalties on the perpetrator.

The above is the relevant introduction to "What to do if your family members are harassed by phone calls overdue credit cards". All in all, it is illegal to harass family members by calling overdue credit cards. If you encounter this situation, it is best to take up the law to protect the rights and interests of your family members. Of course, this will not cure the root cause in the end. The best solution is to pay back the money immediately after it is overdue. Clear it.

How to complain when credit card staff threatens

Call the card bank directly to complain. If the card bank does not act, then complain through other channels. You can contact the China Banking and Insurance Regulatory Commission, Ju Complaints, 12321 Internet Bad Network and Spam Report and Acceptance Center, etc. If you encounter violent debt collection during debt collection, such as beating, detention, smashing, insult and injury, etc., you can call the police directly or file a complaint through the above channels, but you must obtain relevant evidence in advance.

Legal basis:

Article 68 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" The card-issuing bank shall collect debts from the debtor himself and his guarantor, and shall not collect debts unrelated to the debt. A third party shall not use violence, coercion, intimidation, abuse or other inappropriate collection behaviors when collecting debts. The collection process shall be recorded and recorded for at least two years for future reference.

Real stories of Lexiang Card Pack, 3 common credit card tricks, tricks for the purpose

The occurrence of credit cards usually captures a certain psychology of the cardholder, such as when Cardholders are eager to increase their credit limit, and criminals will design corresponding traps, and the parties involved will fall into the trap unknowingly.

There are many such cases. Although many people know the tricks involved, there are always people who are obsessed with it and want to see a real case.

Real case

On June 23, 2019, Cheng Mou in Gushao Town called the police and said: The mobile phone received a text message from 10693834, which showed that the credit card limit can be increased if the credit card record is good. Cheng Mou is If you want to increase the limit, just follow the other party's prompts, enter the website provided by the other party, fill in your personal name, ID card, password, and verification code, etc.

Subsequently, after receiving bank card consumption information on his mobile phone, Cheng called CCB customer service for consultation. The bank staff informed him that the credit card had been stolen, and Cheng learned that he had been defrauded of 9,800 yuan.

Case Analysis

This type of crime mainly targets credit cards that are in urgent need of money, but have low credit limits and slow disbursements at banks. Criminals use websites, text messages, emails, Moments, etc. , claiming that they can apply for high-value credit cards, get loans quickly and other reasons to lure victims into taking the bait, and then charge various fees to deceive victims into transferring money for telecommunications.

Common types of credit cards

1. Overdue credit cards

The scammer calls the victim and falsely claims that the credit card in the victim's name is overdue to intimidate the victim. They also defraud the victim's personal information, credit code, password, etc. on the pretext of eliminating the victim's bad credit report or requiring the victim to cooperate with the public security agency's investigation, and ultimately defraud the victim of money.

2. Apply for large-deposit credit cards on behalf of others

Among credit cards, the credit limit is most likely to be used as a bait. Except for the limit-raising type, it is the agency for large-deposit credit cards.

Scammers use various channels to publish advertisements that can apply for large credit cards, such as posting psoriasis, group text messages, instant messaging software, etc., claiming to ignore black and white households and can apply for large credit cards of 100,000 to 500,000.

The trick is that as long as someone wants to apply for a card, the scammer will ask you to pay money. For example, you need to transfer money to a designated debit card to make money for the customer. Or a deposit is required. After transferring the money, you will find that you have been unable to contact the other party, causing you to lose a lot of money in vain.

3. Credit card limit increase

During the holidays, the frequency of credit card consumption increases, and the demand for the amount also increases. Banks will invite cardholders to increase their limit from time to time, and criminals will Will take advantage of this opportunity.

For example, claiming to be a bank customer service person, or pretending to be a bank and sending text messages, the other party has already known some of the cardholder’s information in advance, so as to dispel the cardholder’s doubts, and at the same time make a request to increase the limit, thereby inducing the cardholder to People provide more sensitive information to commit fraud.

Remind everyone, if you receive a text message saying that your credit limit has been increased, you can check whether your credit limit has been increased by opening the credit card app. Don’t believe anything else.

The credit card limit will not be raised more than once a year, and it may not be raised once a year. The bank will raise the limit of your credit card based entirely on personal information records, and then automatically raise the limit for you. Yes, if you want to apply for a limit increase, you will usually not be approved, so if you want to increase the limit, you still have to use more credit cards.

How to avoid being deceived? First of all, we must do the following:

1. Choose formal channels for applying for credit cards, such as going to the bank’s official website, offline branches, and bank cooperation Formal third-party platforms, etc.

2. Phone calls and text messages related to credit cards should be carefully screened, and the authenticity can be verified through mobile banking, online banking, bank customer service phone numbers, etc.; when the screen is unclear or the amount involved is large, you must go to Confirm in person at the bank counter to prevent property damage.

3. If you are accidentally defrauded, please call 110 as soon as possible.

Is there no one to deal with the violent collection of CITIC Bank's credit cards?

Although the bank has the right to collect the credit card if the credit card is overdue, but if it threatens to intimidate the cardholder by exploding the address book, it will These are illegal violent collection behaviors. The CITIC Bank Credit Card Center ignores national laws and regulations and violently collects money. It sends text messages to threaten and intimidate me every day, causing me to be in a mental trance, physically uncomfortable, and unable to work and live normally with peace of mind. I If you are willing to repay, and you are doing your best to repay it every month, please ask the CITIC Bank Credit Card Center to stop this illegal collection behavior. If an accident occurs due to threats, intimidation, etc., CITIC Bank will bear the corresponding legal responsibility.

This is the end of the introduction about credit card intimidation and what to do if your family members are intimidated by credit card. Have you found the information you need?