It is legal for Ping An Bank to entrust a third party to make dunning, and banking financial institutions should prudently implement the outsourcing of dunning
According to Article 13 of the Notice on Further Regulating Credit Card Business, banking financial institutions should prudently implement the outsourcing of dunning. Banking financial institutions that implement the outsourcing of collection should establish corresponding business management systems, and specify the selection criteria, business training, legal responsibilities and economic responsibilities of the collection outsourcing institutions. The selected collection outsourcing institutions should be reviewed and approved by the senior management of the domestic headquarters of the institution, and a collection outsourcing contract with perfect management and clear responsibilities should be signed, and the commission should not be paid simply by way of royalty from the amount recovered from arrears.
Extended information:
Measures for the Supervision and Administration of Credit Card Business of Commercial Banks Article 68 The card-issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not use improper collection behaviors such as violence, coercion, intimidation or abuse. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.
article 69 a credit card collection letter shall fully disclose the following basic information to the cardholder: the cardholder's name and balance in arrears, the reasons for collection and relevant laws and regulations, the relevant rights and obligations of the cardholder, the ways to inquire about the account status, repayment, raise objections and provide relevant evidence, the contact information of the issuing bank, the official seals of relevant businesses, and other contents stipulated by the regulatory authorities.
when the issuing bank receives the cardholder's objection to credit card collection, it shall make comments on the relevant credit card accounts in time and carry out verification and handling.
CBRC-Notice on Further Regulating Credit Card Business