How to deal with credit card collections? How to deal with violent collections

We all know that overdue credit cards will be collected by banks, and banks adopt different collection methods based on your overdue time. The more serious one is door-to-door collection, especially when banks outsource collection. It's more troublesome to give it to a third-party company, because you may encounter violent collection, but don't be afraid if you encounter this situation. Here are a few ways to deal with it.

How to deal with credit card collections?

This first depends on what kind of collection method you encounter. If it is text message collection or phone collection, then it is easy to handle. There is only one thing you have to do, don’t avoid collection, answer the phone when you have it. When you answer the phone, talk nicely to the debt collector and say you will pay it back.

As for door-to-door collection, it depends on whether it affects your normal work and life. If the bank collection department comes to your door, this is generally very civilized. After all, violent collection is prohibited. If you encounter In this case, you should try to talk to the collector in a nice manner and express your willingness to repay, but do not hand over the money to the collector. This is a taboo.

If a third party comes to collect debt, it is likely to be violent, but you must remember that no matter how bad the other party's attitude is, you should not confront them head-on. This will not be good for yourself. What you have to do is to talk to the other party well. If you can discuss it well, discuss it well, and also record it.

But if the other party beats or insults you, you don’t have to fight back or retaliate, but you should hesitate immediately and call the police directly by dialing 110. After all, owing money does not mean that they can do whatever they want to you. You have to take up legal weapons to protect your rights and interests.

If the police are called, you only need to emphasize to the police some of the illegal behaviors of the debt collector, such as beatings, insults, etc., and use the recording as evidence. As for the relationship between you and the other party, What's the relationship? It's best not to mention this, because the police don't care about this.

The above is the relevant introduction on "How to Deal with Credit Card Collection", I hope it will be helpful to everyone. All in all, it is inevitable to be charged for overdue credit cards. If you don’t want to be charged, it is best to pay off the debt as soon as possible after the overdue date, so as to eliminate the source of debt collection.

Credit card collection skills

1. Collection posture is very important:

When you meet the customer, you must let the customer know that you are not here to greet you. They are here to ask for money, so they have to act like they are collecting money. 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 money. 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.

Don’t panic if your credit card (debit card) is overdue, these tips will teach you how to deal with violent debt collection!

It’s great to spend money in advance, but it’s stressful once the repayment comes.

Especially young people who have a lot of credit cards (debit cards) in their hands. They buy without restraint and cry when they pay it back. They are afraid that they will accidentally exceed the due date, which will not only taint their credit score, but also cause the loss of their credit card. Face penalties and collections from banks. If the collection is just a harassing phone call or text message, forget it. If a criminal exposes the address book, or even threatens or intimidates with violence, it will really be a big problem!

So how should we correctly respond to violent debt collection?

First of all, we need to know that according to relevant regulations, banks can hire legal and qualified third parties to run notifications or collection inquiries and negotiations, and are obliged to inform credit cards (loans) in writing or by email. Deposit card) The unit and name entrusted by the cardholder.

And during the collection process, the third party must provide the credit card (debit card) holder with a power of attorney, company certificate, personal work certificate and other certificates, and communicate with the cardholder with the permission of the cardholder. . Acts involving threats, intimidation, abuse, insults, and profiteering are not allowed, and public security or criminal offenses will be handled by the public security organs.

So, if your credit card (debit card) is collected because it is overdue, don’t be frightened by those violent collection officers, but call the police in time to ensure your own safety first. However, the police maintain public order and deal with criminal activities. For economic cases like this, we need to further deal with them.

First of all, analyze your own situation. Do you not want to pay it back? Or are you really unable to pay it back at the moment?

If you have the mentality of "why should you pay back the money you borrowed based on your ability?", then Xiaofang has nothing to do. You will continue to be subject to non-stop collections, and then wait to be charged by the bank, or even Eating prison food will also bring harm to your family!

If you really can't afford the repayment at the moment, you can explain the situation to the bank and see if you can pay the minimum repayment or other repayment methods. If the negotiation comes to a conclusion, both parties have signed the relevant agreement, and you have followed the agreement and still encounter debt collection, then you can complain about this behavior to the bank and ask it to resolve the harassment to ensure that you can repay the loan better. Or directly complain to the collection agency to safeguard your legitimate rights and interests. Especially for those whose address books are exposed, not only their lives and work will be affected, but their family and friends will also be affected. However, personal debts generally have nothing to do with family and friends, and this kind of harassment is illegal.

In short, although credit cards (debit cards) can solve many people’s problems, please also act within your ability, because there are risks in investment, and the investment risk of credit cards (debit cards) is 1, so please be sure Maintain a good personal credit record.

That’s it for the introduction on how to deal with credit card collections.