Are China Merchants Bank’s legal staff regular employees?

Yes. Because the legal staff of China Merchants Bank belong to the formal legal department within China Merchants Bank and have signed a formal employee contract with China Merchants Bank, the legal staff of China Merchants Bank are formal employees.

The credit card is overdue, it is said that it is from the legal department, which is true or false

It is true, the bank also has a legal department.

1. If the card is overdue for a long time, it will affect personal credit. The bank will truthfully feedback the cardholder's card usage according to the requirements of the People's Bank of China. And during this period, the bank will have specialists to collect the debt through text messages, phone calls or door-to-door visits, and there will be relevant agreements on the application form when applying for the card. If it is seriously overdue, the bank will reserve the right to pursue recourse in accordance with legal procedures, and will also There are text message notifications, so don’t lose the big for the small. Or contact your bank to see if you can negotiate repayment.

2. The overdue amount of a credit card must be more than 50,000 to be criminally responsible. Credit card crime, but there are two prerequisites: 1. Malicious overdraft, 2. Illegal possession for the purpose. Generally, there are no state departments. Will contact you. They are all collection companies outsourced by banks. They will only message and call you and your family to collect payment. So there is no state department that will come to you! Of course, the main thing is to pay off the credit card money as soon as possible! Affects personal credibility!

3. Once a credit card is overdue, the most direct problem is the impact on credit reporting. After all, credit reporting records everyone’s credit behavior and can affect future car and house loans, as well as other financial transactions. business, some even have an impact on their children. Not all credit cards will be reported to the credit report immediately after they are overdue. There is usually a waiting period of about three days, which means that these three days are regarded as the bank's grace. You can contact the bank to explain the situation and return the credit card. After clearing it, ask the bank to issue a "non-malicious overdue" document, and basically there will be no problem. Tips: ICBC does not have a time limit

4. After a credit card is overdue, it will be reflected on the credit report according to the number of days. According to a counting standard of 30 days, overdue for 30 days will be recorded as "1 ”, recorded as “6” at 180 days, the higher the number, the higher the impact on your future life!

5. What we usually call "three consecutive months and six consecutive months" is also an important factor affecting credit reporting. "Three consecutive months" refers to overdue payments for three consecutive months, while "three consecutive months" refers to It has been overdue six times or more. In terms of nature, "continuous three" is more harmful than "tired six", because it may be regarded as "malicious", unlike "tired six" which is considered to have a certain degree of negligence.

What does a credit card legal specialist do?

Generally, they handle credit card litigation matters.

For credit card debtors, ask Fazi to recover the debt.

The Second Brigade of the Economic Investigation Detachment of the Xi’an Municipal Public Security Bureau is stationed at the Minsheng Bank Police Office: Suspected malicious overdrafts on Minsheng Bank’s credit cards have been reported to the Second Brigade of the Economic Investigation Detachment of the Xi’an Public Security Bureau

Xi’an Municipal Public Security Bureau The Second Brigade of the Economic Investigation Detachment is stationed at the Minsheng Bank Police Office: The suspected malicious overdraft of Minsheng Bank’s credit card has been registered with the Second Brigade of the Economic Investigation Detachment of the Xi’an Public Security Bureau! Your social and work relationships have been checked on the public security website. On May 14, 2015, the public security website issued a notice to assist in the investigation! The local police station went to the home and notified family members! Investigate and collect evidence! Pay off all debts immediately: 15720, no

Credit card collection techniques

1. Collection posture is very important:

Let the customer know the first time you meet him , you are not here to greet me, you are here to ask for money, so you have to act like a collector. The collection posture mentioned here is not just about bragging and glaring at the customer, but telling the customer that you got the money and I paid a certain price, and now it is time to pay back the money.

2. Have a clear purpose and avoid beating around the bush:

Once the posture is established, it is time to start collecting collections. At this time, you should not chatter or chat with the customer. Let’s make it clear today. The purpose of my visit is to make a special trip today to collect payment. I must explain it clearly before the customer complains. Paying back debts is a matter of course.

3. Seize the opportunity for collection according to the customer's enthusiasm for repayment:

You must go at the agreed time, and you must arrive at the agreed location one step ahead of the customer. This is a trick for collection.

This prevents customers from saying back: "I've been waiting for you for a long time and you didn't come, so you just left?" It also prevents customers from using the loan they should have repaid for other purposes.

4. Refuse customers to offer you a pie:

Some customers will give you a pie first when you collect money. The so-called pie is to tell you all our goods. How much money will be recovered after selling it; how much profit can our equipment bring when online, etc. Don't be fooled by customers at this time, and you must still be determined to collect payment.

5. Before collection, clarify the reasons for the customer's default:

Before collection, the loan officer must find out what is the reason why the customer cannot repay on time. Is it because he is too careless and forgets? Time, not satisfied with the product? Money is tight? Or just don’t want to pay back the money? Only by clarifying the real reasons why customers owe money can we adopt different strategies for collection.

This concludes the introduction to the work of a credit card legal specialist and a credit card legal specialist. Have you found the information you need?