It's cool to spend in advance, and you're nervous when you repay. Especially young people who have a lot of credit cards (debit cards) in their hands, buy them without restraint and cry when they return them. They are afraid that they are not careful about overdue, which not only pollutes their credit information, but also faces penalty interest and collection from banks. If only harassing phone calls or text messages are collected, if the address book is exploded by criminals, or even threatened or intimidated by violence, then it is really a big deal!

So how should we treat violent collection correctly?

First of all, we should know that according to the relevant regulations, banks can hire a legal and qualified third party to inform or collect inquiries and negotiations, and are obliged to inform credit card (debit card) holders of their entrusted units and names in writing or e-mail.

Moreover, in the process of collection, the third party must present the power of attorney, unit certificate and personal work certificate to the credit card (debit card) holder, and run the communication with the cardholder's permission. Threats, intimidation, insults and profiteering are not allowed, and public security or criminal offences are handled by public security organs.

Therefore, if your credit card (debit card) is overdue, don't be scared by those violent collectors, call the police in time and ensure your own safety first. However, the police are responsible for maintaining public order and controlling crime. We need to further deal with such economic cases.

First of all, analyze your own situation. Do you want to return it? Or is it really not available for a while?

If you are holding the psychology of "why should you pay back the money you borrowed based on your ability", there is nothing Xiao Fang can do, so you will continue to receive constant collection, and then wait for the result of being sued by the bank, or even go to jail, or even bring trouble to your family!

If you really can't afford it for a while, you can explain the situation to the bank and see if you can press the minimum repayment method or other repayment methods. If, as a result of negotiation, both parties have signed relevant agreements, and they encounter collection after the implementation of the agreements, they can complain to the bank and ask it to solve the total harassment, so as to ensure their better repayment, or directly complain to the collection agency to safeguard their legitimate rights and interests. Especially those whose address books are exposed, not only their lives and work are affected, but also their family and friends. However, personal debts generally have nothing to do with family and friends, and such harassment is illegal.

In short, although credit card (debit card) can solve the cash flow problem of many people, please do what you can, because investment is risky, and the investment risk of credit card (debit card) is even more+1, so please keep your personal credit report.