Which branch does ICBC use to collect overdue credit cards?

Hello, it is not the card issuing point. Bank collection is usually the first, SMS collection. It is mainly aimed at the overdue repayment behavior of early cardholders, which is generally 7 to 15 days overdue. SMS mainly serves as a reminder. Second, call for collection. Mainly for overdue behavior that exceeds 30 days and lasts for more than one billing period, telephone reminders are provided for repayment.

Is debt collection on industrial and commercial credit cards violent?

No. According to information from ICBC, ICBC credit card collections are not violent. ICBC is a formal enterprise. A comprehensive introduction to ICBC's financial services, rich and comprehensive investment and financial information, convenient and fast online transactions, meeting customers' professional, diversified and humanized financial service needs, and creating comprehensive financial services that integrate business, information, transactions, shopping and interaction. platform.

Will ICBC collect credit card debts at your doorstep?

We will collect money at your door. If the amount you owe reaches 10,000 yuan and you still fail to repay it more than three months after two collections by the bank, it will constitute a credit card crime and you should bear criminal liability. After the public security organ files a case for investigation, it usually takes about four months before the procuratorate files a public prosecution.

Overdue credit cards will affect your credit record, and you will have problems with future loans, etc. You can basically forget about home loans, car loans, and credit within two years.

"Interpretation of the Supreme People's and Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards":

Article 6 The cardholder shall, for the purpose of illegal possession, exceed If an overdraft is made within a prescribed limit or within a specified period and is not repaid for more than three months after being called upon twice by the card-issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

If any of the following circumstances occurs, it shall be deemed as “illegal possession for the purpose” as stipulated in the second paragraph of Article 196 of the Criminal Law:

(1) Knowingly not possessing A large amount of overdraft due to the ability to repay the loan cannot be returned;

(2) The overdraft funds are squandered wantonly and cannot be returned;

(3) Escape, change contact information, and escape after overdrafting Bank collections

(4) Escape and transfer funds, conceal property, and evade repayment;

(5) Use overdraft funds to carry out illegal and criminal activities;

(6) Other behaviors of illegally possessing funds and refusing to return them.

A malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "relatively large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan If the amount exceeds 1 million yuan, it shall be deemed as a "huge amount" as stipulated in Article 196 of the Criminal Law; if the amount exceeds 1 million yuan, it shall be deemed as an "especially huge amount" as stipulated in Article 196 of the Criminal Law.

"Several Provisions on the Publication of Information on the List of Dishonest Persons Subject to Enforcement" means that those who fail to pay back their credit cards overdue will be included in the "Black List of Dishonest Persons." The following behaviors of "dishonest persons" are prohibited:

Some high-consumption behaviors are prohibited, including taking airplanes, sleeping in trains, etc.

Impose other credit penalties, including restrictions on loans from financial institutions or credit cards.

If the defaulter is a natural person, he shall not serve as the legal representative, director, supervisor, etc. of the enterprise.

That’s it for the introduction to industrial and commercial credit card collection.