when our credit card is overdue, it will be followed by collection. Trust us. Sometimes the collection is carried out within the bank, and sometimes it is carried out by a third-party organization entrusted by the bank. Therefore, this period of time is also the most painful and disintegrating moment for cardholders. Not only that, but there is also the risk of being complained. Next, tell us about the collection efforts and representations of different banks.
collection intensity ranks first: transportation, industrial development, Pudong Development, CITIC, Guangfa, and security
Under normal circumstances, the bank with the top team will entrust the collection task to a third-party collection company for collection one to three months after your credit card is overdue. The method of collection is still the same, which is nothing more than short message bombing and telephone interruption. Compared with other banks, the probability of contacting your family and friends in these banks is much higher, and the possibility of door-to-door collection is relatively large, and even they are very tough in collecting emotions. Generally, overdue will not be complained, but if the amount involved is large and the overdue time is too long, there is still a certain risk of complaint.
collection intensity is second: the collection frequency of the second team banks such as China Merchants, Minsheng and China Everbright is also relatively high, similar to that of the top team. However, the primary collection is by telephone, and occasionally there may be a phenomenon of door-to-door collection. Even if you have to, you won't complain. Because the first priority is still to recover the arrears.
the third intensity of collection: Bank of China, China Construction Bank, Agricultural Bank of China, Industrial and Commercial Bank of China and Postal Service
The collection of the four major domestic banks plus postal service is the most Buddhist, perhaps it is "a big family business". Generally speaking, people who owe money will not be frequently collected, or even entrusted to a third-party collection company. They only rely on the staff of the legal department within the bank to collect money, and their mood is relatively gentle. However, the representation rate of state-owned banks is very high, and the speed of representation is also very fast. Maybe some of you are overdue for one to three months, and you have received a court summons without receiving a call.
Every bank has a corresponding share of non-performing assets. Once this share is too high and the bank feels a little "risky", it will vigorously collect it. Because the share is too high, it will affect the review at the end of the year, but the non-performing assets of state-owned banks are usually relatively healthy, so the collection is also relatively Buddhist.