It is understood that the overdue amount of credit card is generally more than 10,000 yuan before coming to the door. If the amount is less than 10,000 yuan, the collection is basically based on text messages and phone calls.

Under what circumstances will we come to your door?

1. No willingness to repay (after being demanded by text messages and phone calls, you change your mobile phone number or turn off your phone and lose contact. In this case, the possibility of being visited is very high)

2. Indebtedness The amount of the payment is too much (only the principal amount owed exceeds 1W)

3. The overdue time is too long (the overdue time is more than 3 months and the debt has not been paid off)

Overdue credit card payment Our lives are affected everywhere. Instead of worrying about how long it will take to come to our door or even be sued for overdue payment, it is better to take measures as soon as possible to remedy the situation and pay off the money owed to the bank as soon as possible. If you are unable to pay back the money at the moment, you can discuss it with your family, relatives and friends or help. Negotiate with the bank to re-establish a repayment plan, up to 60 periods.

Bank external visit process:

1. Departure (collection staff will not visit alone. Each external visit usually involves two external visitors, and no more than two external visitors will be involved. Put - get case materials, letters of introduction, voice recorders and cameras)

2. Notification (call the cardholder to tell them the time of arrival, the person in charge will record the arrival time and will know the arrival time at any time The exact location and time of visit of the visitor)

3. Taking photos (taking photos of the environment around the destination address)

4. Recording (generally, foreign visitors conduct the entire process Recorded)

5. Interview (if the cardholder is found during the interview, the interviewer will immediately identify himself and state his purpose of visit, check the customer’s mobile phone, home phone number, contact address and other information, and ask the customer to Signing (dunning notice) or (lawyer letter), etc. If the borrower is not present and relatives or family members are present, the interviewer will inquire in detail about the relationship between the borrower and the borrower to understand the borrower's financial situation and current situation. Convey the repayment information and ask the relevant person to make repayment as appropriate, and finally ask the relevant person to sign (dunning notice) or (lawyer letter), etc.

If no one is at home, the interviewer will first call the holdee. Please listen to the cardholder's residential phone number to see if there is a ringing phone at the door, and then call the borrower's mobile phone to verify the residential address. At the same time, experienced interviewers will conduct interviews and surveys around the borrower's residence to find the cardholder's neighbors and properties. Neighborhood committees, village committees, police officers, security guards, etc. collect relevant information of cardholders. If the cardholder has a fixed private mailbox, the foreign interviewer will put the "Legal Notice" into an envelope with the words "Do not open it unless you are the person you are." ” and then put it in the borrower’s mailbox)

6. Leave

7. End

The above, door-to-door collection is legal and compliant. If you encounter violent collection , illegal door-to-door collection, etc., borrowers must learn to collect relevant evidence (you can choose to call the police immediately) and use the law to protect their legitimate rights and interests.