It's good. This job is ok, more formal, just call the collection phone every day, but there are times when people who owe money resent the collection phone. They are responsible for the risk management of bank credit card assets, urging overdue customers to repay through telephone, letter and judicial procedures, assisting them to restore their credit and preserving bank assets to the maximum extent.

I. Credit card collection is divided into internal collection and outsourcing collection. Internal collection usually refers to customers who are overdue for less than three months. Generally, they are reminded by bank customer service (M0 period), urged by electricity (M 1 2 period) or collected at all business outlets (M3 period).

1, outsourcing collection mainly means that credit card centers entrust some customers who are difficult to handle, have problems, lose contact or have little funds to companies (some of which are law firms) specializing in collection industry after internal collection fails.

2. M 1 period is the continuation of M0 period, that is, between the second unpaid bill date and the last payment date of the second bill, the credit record will be uploaded to the credit information system of the People's Bank of China, which is likely to affect the housing loan or credit loan.

At the same time, a late fee will be charged. If it is before the second payment date, it will only be collected once, otherwise it will be collected twice, and the interest will be compounded according to the amount owed in the current period. At this time, the bank will generally remind large customers, that is, the collection staff of the collection department of the credit card center will call to remind the repayment. Some banks don't charge money during this period, in order to earn more late fees and interest.

3. M2 period is the continuation of M 1, that is, between the third billing date and the last payment date of the third bill, the credit record will have a great impact, and the credit record of the banking industry will be stained, which will have a great impact on the loans and job hunting of larger enterprises in the future.

4. A late fee will be charged. If it is before the third payment date, the second late payment fee will be charged. Otherwise, the third time, interest will be charged according to the amount owed in the current period. At this time, banks will generally use the method of urging repayment, and the relevant collection personnel will call to inform them of the impact of credit records, and they will contact relatives and friends of the debtor to help remind them of repayment. Some banks have a tough collection, and even some collectors pretend to be relevant lawyers to put pressure on debtors, but some banks have a lighter collection, so they only collect money at this time.