I am in the collection business, and I have been sharing some online loan and credit card experiences recently. The threshold for doing collection work is relatively low. You don’t need to have any skills. You can do it. You can learn it slowly at work. I have been doing debt collection for several years, and after reading other answers, I have said that after the golden period, this is probably the truth. After all, management is very strict now, especially credit card collection. Outsourcing is not very strict, but the collection within the bank is very strict. It is basically customer service collection. Therefore, you need to know a lot of skills and words to collect credit cards. Of course, you have to work in a bank for a year or two, and then you can go to other online loan companies and interview to be a small leader.

Credit card collection must be done in-house. Although the salary is not as lucrative as credit card outsourcing, the monthly salary does not fluctuate much. Credit card outsourcing may earn a salary of RMB 100,000 a month, but you will still get a basic salary a month, and it is not even more difficult than internal collection.

Let’s talk about the future. If you think you are very capable, I do not recommend you to do collection work. This is really not suitable for people who want to take revenge. Make a decision after thinking about it. If you do, go for internal collection within the bank. Needless to say, there is no need to mention the future and stability. It's just that the salary is lower than that of online loan companies such as Mamo Finance or Fenqile. For example, in Fenqile, getting 6,000 yuan a month is not a big problem, and online loans do not require any technical skills, and the vocabulary is very simple, but the limitations are relatively small.

There are at least thousands of debt collection companies in Wuhan. I think I know this industry relatively well. But it doesn’t count completely.

This industry is currently very difficult to do.

The golden period has passed.

About 2005 to 2010, it was the golden age of credit card collection. At this time, the overall economic environment was good, funds were loose, performance was easy to complete, the commission rate was relatively high, and the debt collection commission would basically be repaid after a phone call. , so during this period, the general income of collectors can reach 7,000 to 8,000 yuan. If they work hard, have high skills, and are lucky, a monthly income of 20,000 to 30,000 yuan is not a problem.

From 2011 to 2017, due to the general strengthening of anti-collection awareness among cardholders and the decline of the economic environment, the collection effect has significantly declined, and the income of collection personnel has generally decreased. It is relatively difficult to earn an average monthly income of 5,000, and the collection skills are strong. There are less than 10,000 debt collection personnel.

In the past two years, due to policy reasons, many collection methods cannot be used, and it is difficult to check the phone numbers of cardholders. Therefore, the income of collection personnel is not only unstable, but also difficult to survive. Moreover, nowadays, phone calls to collect money are generally ineffective, and foreign visits to family units are suspected of harassment. In a word, it’s not easy to do and the income is not ideal.