1.0755 is it a credit card collection?

0755 is only the area code of Shenzhen, Guangdong Province, and has nothing to do with credit card collection, but there are many third-party asset companies in Shenzhen, whose main business is bank outsourcing collection.

Many friends have received collection calls from North China since 0755, and there are many collection companies in the local area. If the borrower fails to repay the loan within the time limit, the bank or Alipay will entrust these companies to collect it.

Manual dialing and machine automatic dialing will be selected when collecting. In short, if your credit card is overdue and you see a similar phone call, you must know that it may be collected, but you are not sure. Once the credit card is overdue, you must find a way to repay it in time. Only in this way can we reduce the impact.

Second, what should I do if my credit card is overdue?

1. Calculate the total liabilities and repay them according to priority. We need to know how much our total liabilities are, and then distinguish between each bank, which is a formal bank and which is a loan from ourselves and other informal platforms. After that, you need to pay off the regular credit card loan first. Other illegal ones, because they are illegal, don't worry too much. It's better to return them.

2. If you can't negotiate with the bank in time, you should negotiate with the bank for an acceptable repayment plan and repay the loan on time to avoid serious consequences.

3. Don't use loans to support loans. Many people will use other loans to pay off their credit cards, because they have more debts, which eventually leads to more and more debts, so don't choose this way.

Third, credit card collection is illegal.

1, threats and intimidation

Some collectors will threaten cardholders by phone when collecting money, for example, telling them what will happen if they don't repay within the prescribed time limit. This situation is a threat. According to the Law of People's Republic of China (PRC) on Public Security Administration Punishment, you will be detained and fined.

2. Explosive address book

Some collectors not only collect cardholders, but also bombard the contacts in the cardholder's address book with text messages and telephone calls. This situation is also a violent collection, and it will also be detained or fined.

3. Pretending to be a public official

Other collectors will pretend to be public officials and threaten lenders when collecting money. If they don't pay back the money, they will be sentenced, which is also an obvious illegal act.

Special circumstances can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.