The pre-litigation investigation part is actually a routine directed and performed by the third-party collectors themselves.

Under normal circumstances, after the credit card is overdue for 3 months, the bank will entrust a third party to collect money from the company. It is also from this point in time that people will frequently come into contact with some people who claim to be the legal department or the pre-litigation investigation department to call you. In fact, they are all routines directed and performed by third-party collectors.

As for the third-party collection company, it is similar to sales. Collectors are similar to salesmen. Their job is nothing more than to urge you to get the money back, and then get a commission from the payment. Moreover, the commission ratio is so high that people have no resistance, and collectors will "enjoy" it for you.

Regarding the overdue prosecution of credit cards, the right of prosecution lies with the bank and has nothing to do with these third-party collections. They will only try their best to force you to pay back the money.

If the credit card is overdue for 2-3 months, the internal collection staff of the bank will not violate the rules. At most, they will tell you that overdue will affect your personal credit information, and contact your emergency contact or bank to recover the arrears through prosecution. Because they leave things they don't want to do or can't do to a third party to collect.