If the credit card is overdue, the bank must collect it. The process of collection is generally like this:
1, bank customer service collection. There will be a short message when it is overdue, and then the manual customer service will call the cardholder to remind him of the repayment, and the attitude is still relatively mild.
2. Collection by bank collection personnel. SMS and customer service collection were useless, so it was the turn of the bank's special collection staff to play. The attitude is definitely not as good as that of ordinary customer service, and the tone will be much more serious, telling you what will happen if it is seriously overdue.
3. Call the company for collection. Some banks will outsource the collection work, and the attitude of the collection company will be much tougher, with telephone bombing and even door-to-door collection.
4. Legal procedures. If the dunning can't take effect and the overdue amount is relatively high, then go through legal procedures and send a lawyer's letter. If it is serious, go to court and enforce it after the court decides. Once it is identified as credit card fraud, it must also bear criminal responsibility.
5. Report data to PBOC. No matter how long the cardholder is overdue, even if it is only one day, all the data will be reported to PBOC and displayed on your credit report. If the overdue situation is serious, it will leave a stain on personal credit and affect many things in the future.
Then, if you really can't pay off your debt in a short time, the best way is not to wait for the bank to collect it, let alone lose contact. Initiative is the best way.
First of all, take the initiative to contact the bank and tell each other your actual situation and true willingness to repay. As long as it is not defined as malicious breach of contract, it will not be collected all the time and will not rise to the judicial level. It's good to ask the bank for leniency, and the time limit can be extended. If the amount is really large, you can try to get the bank to reduce overdue interest. Of course, this is unlikely. If you really can't pay back the money, you can communicate a few times more, and remember to take the initiative.
Secondly, pay back some money more or less every month so that the bank can see your sincerity. It will be better if you can pay the minimum repayment, otherwise your credit report will be ugly, and it will be very troublesome to apply for credit cards, loans and start a company in the future. Don't owe money everywhere. It is unwise to rob Peter to pay Paul. Trying to make money, changing consumption habits and trying to make money are serious.
In short, it is only natural to pay back debts. Before you swipe your card, think about whether you can afford it, so as not to hurt yourself and your family in the end. Deal with what has happened, don't run away, and put your life into it.
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