1. Know the situation: Answering the dunning phone can let you know your debt status and repayment requirements. The dunner may provide important information about the amount owed, overdue interest, repayment period and so on. By answering the phone, you can know the actual debt of the credit card and make the corresponding repayment plan.
2. Negotiate repayment method: dunning telephone provides an opportunity to communicate directly with dunning personnel, and you can make repayment plan through telephone negotiation. If your current financial situation is difficult, you can discuss with the dunner the repayment methods suitable for your financial situation, such as installment payment and deferred repayment. Through reasonable negotiation, you have the opportunity to avoid overdue interest and fines.
3. avoid damage to credit records: refusing to answer the dunning phone call may be regarded as ignoring the repayment problem, and overdue credit card records may be reported to relevant credit reporting agencies, which will have a negative impact on personal credit records. On the contrary, if you answer the phone and actively cooperate with the dunner to solve the problem, you have a chance to maintain a good credit record and avoid further credit losses.
In short, although psychological refusal to answer dunning calls may relieve stress, I suggest you answer and handle these calls. By understanding and negotiating to solve the problem of overdue credit cards, you can effectively manage your financial situation and maintain a good credit record.
Extended information:
If you want to know more about your credit status, you can query Netdome Data Credit Big Data. This is a platform to provide personal credit evaluation and credit report. By inputting relevant information, such as ID number and name, you can get detailed credit report including credit history and overdue status. By knowing your credit status, you can better manage your finances and take corresponding measures to improve your bad credit record.
I suggest you take action as soon as possible when you encounter the problem of overdue credit cards, actively communicate with dunners and make a reasonable repayment plan. In addition, for the use of credit cards, we should also abide by reasonable consumption planning to ensure timely repayment. Only by maintaining good repayment habits can we better safeguard personal credit and get more opportunities for financial services.