For the credit card collection process, please see the following five steps: 1. When the cardholder is just overdue, the user will send a text message to remind the repayment;

2. When the overdue time is longer , the user customer service will call to collect;

3. Entrust a lawyer to send you a lawyer's letter;

4. When the cardholder is overdue for more than 3 months, the bank will entrust a third party to collect the payment. Collection by third-party collection companies;

5. When the collection company cannot collect the debt, the bank will sue you, and you will have to go to court.

Extended information

If we do not repay the credit card debt we owe to the bank, we will be charged by the bank at this time. The judicial collection process of credit cards is that if the amount is more than 10,000 yuan and has not been returned after two collections, the credit card will be frozen at this time, and judicial means will be used to deter the debtor from forcing collection through the legal department.

The bank regularly sends collection letters every month to remind customers to pay overdue debts in a timely manner, which serves as a warning and reminder to overdue users. Letter collection can use different collection methods according to the user's current late payment status, warning customers that failure to repay in time will bear corresponding legal consequences.

(1) Letter content:

The credit card collection letter should contain the following basic information, cardholder information and balance of debt, reason for collection, relevant rights and obligations of the cardholder, inquiry Account status, repayment status, ways to raise objections and provide relevant evidence, bank contact information, etc.

(2) Collection letters should be sent by registered mail, and the shipping address should be the credit card billing address. SMS reminders and letter collection are the most commonly used collection methods in credit card debt collection, and the collection effect is best among low-risk user groups.

Telephone collection

1) The appropriate order of selection of contact numbers for telephone collection is: mobile phone, work phone, home phone, immediate family phone, and contact phone.

2) In specific work, the time the collection staff allows the cardholder to make a repayment commitment decreases as the number of collections increases.

3) When the call is answered but the cardholder is not present, the collection staff should leave a message to inform the cardholder to contact the bank promptly.