to tell the truth, it is impossible to avoid the fact that credit cards are overdue for evidence collection or investigation. The procedures for credit card collection personnel to come to the door are also strict, with at least two people, and there are audio and video recordings throughout. No disturbing behavior is allowed, and no threatening, insulting and sarcastic words can appear in the conversation. It is reasonable for the collection staff to come to the door, but it cannot affect the life of the debtor.
Door-to-door collection is only a normal collection process for overdue credit cards, and it is also a collection method to recover the arrears as much as possible. Escaping is never the solution to the problem. Only positive problems can have a chance.
If you are really notified by a credit card reminder to come to your home, please negotiate with it as early as possible, explain your overdue reasons and express your willingness to repay. The most important thing is that you should propose a plan that both parties can agree on. For example, if there is no one-time repayment, how much can you repay each month? Negotiation is not that easy, but it's better than doing nothing.
It is recommended to repay the loan as soon as possible. The serious consequences of overdue credit cards are as follows:
1. Late interest and late payment fees;
2. Bad credit record;
3. The bank will collect the money and may face criminal problems.
overdue credit card solution:
1. If the cardholder forgets to repay the loan and finds that it is overdue, he must repay it as soon as possible, preferably in full. Call the bank's credit card center to declare non-malicious arrears. If the overdue time is short, the bank may not count bad records;
2. If the credit card is unable to repay due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center, explain his financial situation, declare that he is not maliciously in arrears, and apply for deferred repayment or installment repayment;
3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to postpone the repayment, and the bank and the cardholder will agree on a mutually acceptable repayment plan. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;
4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the record of overdue credit card repayment will be kept in the credit information system for two years. If it is found that the card is directly cancelled after the overdue payment, the information will not roll, but will be kept for a long time. Therefore, after the cardholder becomes overdue, it is best not to cancel the credit card immediately, and it is best to stick to it for more than 2 years, and then maintain a good credit record.