The biggest problem with violent credit card collection in banks is that there is a problem with the audit when banks handle credit cards for customers, because when developing credit cards, banks are likely to encounter customers whose credit cards are overdue. For these customers who have not paid back their credit cards for a long time, banks have no choice but to add these people who owe money to the credit blacklist, so some banks will come up with violent collection methods, but use violence to collect repayment. This method does not meet the legal requirements, and many people who have been collected reflect this violent collection method of the bank, which makes people familiar with themselves know that they are not paying back their debts, making it difficult for them to be a person in the circle of friends around them. < P > Some banks will increase the promotion of credit cards for high returns, especially bank employees, and the task pressure of credit cards is relatively high at ordinary times, so they have to reduce the audit requirements. Let some people who don't meet the requirements to apply for credit cards, but the biggest group is those who don't meet the requirements to apply for credit cards. Therefore, the most fundamental reason is that banks have adopted abnormal auditing methods in order to improve their performance quickly, which has also caused some people to default.

As a bank, we must first ensure that when we collect arrears, the methods must be legal and compliant. In particular, some banks outsource this collection to other units, which will lead to unreasonable collection methods, which will seriously affect the reputation of banks. For those who fail to pay back their debts, we can sue those who fail to pay back their debts through law in addition to violent collection methods, and it is not necessary to use violent collection methods for collection. Moreover, at present, If there is a problem with personal credit information, it will seriously affect the future life of themselves and their children, so ordinary people will not use their reputation to cheat credit card consumption and not pay it back. Only by normal collection can the reputation and performance of banks continue to rise.