After the credit card is overdue, the bank will collect it. This kind of collection will change from the initial bank phone call to the third-party collection, which means that the situation is getting more and more serious. The third-party collection may even come to the door to collect the collection, so face-to-face collection What to do about this situation?

How to deal with a third party coming to collect overdue credit cards?

When a third party comes to collect money, just do these five things. First, change the location; second, correct your attitude; third, keep good records; fourth, negotiate for repayment; fifth, work hard to repay the debt. Clear the debt. Although it is rare for a third party to come to collect debt, if a credit card is overdue for more than 50,000 yuan and is not returned for a long time, it will be collected. Cardholders can do this:

1. Negotiate with the debt collector. Change the location of the door, make a coffee shop reservation, etc. Because they will be notified before coming to collect collection.

2. Correct your attitude. Regardless of whether you accept the door-to-door payment or not, you must lower your attitude. After all, the debt comes first. The door-to-door payment is just to ask for the account from the bank. There is no need to intensify the conflict. .

3. There will be audio and video recording of the entire three-party collection process, but the creditor himself may also wish to do so. Once encountering violent collection, creditors can defend their rights in accordance with the law.

4. Call the customer service staff of the card-issuing bank to discuss a personalized repayment plan to avoid being collected again.

5. Work hard to pay off your debts, work hard to make more money, and deposit money into your card every month to let the bank know that you are temporarily unable to repay, but you are willing to repay.