A number of lawyers said that at present, all banks hope to find a collection company with long-term cooperation and good reputation. The cost is lower than their own collection cost, and it can only be enforced by the court in particularly serious cases. The disclosure of customer's name, address and other information involves many legal rights of the parties. China banking pays more attention to compliance, but the full name set should be used with caution.
According to Article 1 of the Provisions on Credit Punishment and Withdrawal Restriction for the Executed Person with Bad Faith, if the executed person fails to perform or refuses to perform the obligations specified in the effective legal documents without special circumstances, the credit punishment and withdrawal restriction measures shall be taken against the executed person.
The Supreme People's Court's decision to enter the list of people who have lost their trust and take exit restriction measures against the people who have been executed shall be reviewed by the collegial panel, reviewed by the president and approved by the director, and handled according to the procedures.
Extended data:
"China Bank Card Industry Self-discipline Convention" stipulates that the maximum delay is 3 days, and the repayment difference is less than 10 yuan does not charge penalty interest. According to the usual practice, banks provide time-sensitive services to cardholders, remind them of repayment by SMS or email at least three days before the due repayment date, and provide a repayment period of at least three days.
In other words, if the cardholder pays back the money within 3 days after the stipulated repayment date, the bank shall consider it as full repayment in the same period, and no penalty interest is allowed. Note: 3 days refers to natural days, not working days.
The bank also provides tolerance service for cardholders, that is, the cardholder's current repayment is insufficient, and the unpaid amount is less than or equal to a certain amount (at least equivalent to RMB 10 yuan), which shall be regarded as the cardholder's full repayment.
Phoenix. Com- the credit card has expired
People's Court of xinmin city City, Liaoning Province-Provisions on the punishment of the executed person's dishonesty and the restriction of the executed person's exit from the country
People's Daily Online-High-profile collection of overdue credit cards by banks