How to report the collection of Ping An Credit Card? Have you ever encountered a Ping An credit card collection?

first of all, it should be clear what kind of collection it is. It is useless to report the official collection of Ping An Credit Card. People are legal, so just pay back the money. The other is a third-party organization under the guise of helping you negotiate the installment. This organization has many means of collection for its own benefit. If you encounter violent collection, you can call and report it.

The process of credit card collection is as follows:

1. When the cardholder has just overdue, the user will send a text message to remind him of repayment;

2. When the overdue time is long, the customer service will call to collect it;

3. entrust a lawyer to send you a lawyer's letter;

4. when the cardholder is overdue for more than 3 months, the bank will entrust a third party to collect the company's collection;

first, short-term overdue will be collected by SMS.

Many people don't take credit seriously when using credit cards, so many people forget to pay back on the agreed repayment date. At this time, the bank will send a short message to remind customers of repayment according to their past repayment situation. Generally, it is overdue within three days, which will not affect the customer's credit, and the bank will not upgrade the collection method.

second, after the SMS reminder is invalid, you will choose to call for collection.

when the credit card user fails to repay the loan for more than one week, the bank thinks that the user has insufficient repayment ability, or the repayment will decrease, and then there will be a manual telephone collection. Generally, people who call to collect money are employees inside the bank. At this time, as long as users communicate reasonably and promise to repay as soon as possible within a period of time, the bank will not collect money frequently.

third, if the user fails to repay the loan for a long time, it will be collected by a third party or.

when credit card users fail to repay their loans for more than three months, and repeated collection doesn't work, the bank will think that the users owe money maliciously, and will choose to package the arrears to a third-party collection company, or help overdue users collectively through lawyers. Failure to pay back the credit card for a long time will have a great impact on your personal credit, and once you break the relevant laws.

when the credit card is overdue for half a year, the third party starts to collect it, harassing and threatening at home. How to deal with it?

after facing the competitive pressure of internet finance, China's bank credit card business began to release water vigorously. Although the credit card business is growing rapidly, the proportion of bad balance is also increasing. By the end of the second quarter of 218, the amount of credit card business overdue for more than half a year in China has exceeded 75.667 billion yuan. Faced with more and more money, banks are short of manpower, so the proportion entrusted to third-party companies for collection is also increasing.

However, before entrustment, banks generally require not to collect money by violence, but in reality, third-party institutions generally resort to abuse, insult, threat, address book explosion, or even go to the door to harass or make trouble with the unit of the debtor in order to quickly collect the money (the income of the third party is linked to the amount of the payment, which is accrued in proportion). For this kind of behavior, users can directly report to the police or complain to the local banking insurance regulatory bureau. Because the credit card is overdue, although the bank (or its entrusted institution) has the right to collect it, the collection must be within the scope of laws and regulations.

Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

According to Article 68 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, No.2 issued by China Banking Regulatory Commission in 211, the issuing bank shall collect the debtors and their guarantors, and shall not collect the debts from third parties, and shall not use improper collection behaviors such as violence, coercion, intimidation or abuse. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.

The Measures for the Supervision and Administration of Credit Card Business of Commercial Banks are the guidelines that all banks must abide by. If a commercial bank or its entrusted institution has the above-mentioned violations, users can directly complain to the CBRC, and if personal injury is caused to the defaulting person, they can also report to the public security organ for disposal.

In fact, most collection agencies know that their actions are illegal, but because many people don't know these rules, they often compromise under the threat of violence from collection agencies, especially when family members are involved or when they threaten to go to work to make trouble. In the face of violent collection, everyone must not retreat. In fact, the collection agencies themselves are very empty. Typical paper tigers bully the weak and fear the hard. The more you compromise, the more they push their luck. The tougher you are, the more they regress.

of course, in any case, overdue is always a bad behavior, and the one who is in the wrong is also on our own, so it is better to return the arrears as soon as possible if we can. As for the door-to-door collection, it is enough to receive it well. If the bank does not dare to do anything wrong with the outsourcing collection, if you report the collection, the bank will cancel the cooperation with this outsourcing company because there are assessment indicators.

there are dozens of calls in the credit card center every day. can I complain? How to complain?

Generally speaking, after collecting the new regulations, banks will generally stop doing these dirty jobs. Basically, they outsource overdue credit card accounts to a third-party financial service company. These companies don't have any financial license, so three or five people buy a set of direct dial telephone software on Taobao and start working. Credit card center calls dozens of times a day, can I complain? How to complain?

Credit card centers collect dozens of calls a day

The correct way is to actively communicate with the bank to explain the situation, apply for suspension of payment, and you can understand it by reading the words, which can save you a lot of interest. This application has two preconditions: one is bankruptcy or economic crisis, and the other is to apply with the bank in advance, so everything is done in advance, which is also the right that the bank clearly stipulates to the cardholder in national laws and regulations. Another is that you have to give the bank a repayment plan that he can accept and you can complete. Without this attitude and determination, the bank will not agree to your application, because agreeing means that his income will suffer.

can I complain? How to complain?

With regard to illegal and criminal acts such as credit card collection and address book explosion, please pay attention to asking the other party which bank, customer service phone number, job number and name can be recorded. You can complain to the China Banking Regulatory Commission, and you can call the customer service phone number of the bank. If the address book is exposed (which is definitely exposed by foreign creditor companies), keep the evidence and report it to the public security organ. Last year, many large, medium and small creditor companies were arrested by the public security organ. There are all violent collections, exposure of address books, exposure of privacy and so on.

it's natural to pay back debts, and how much money you can borrow; It's normal to blindly borrow money in advance, and eventually it will be overdue, which will lead to the explosion of the address book collection. In fact, it's okay to just explode the address book. If you borrow money informally, it's possible for the other party's collection staff to make trouble directly at your company or to splash paint or draw posters directly at your door. Compared with these situations, it's just a trivial matter to explode the address book.

My credit card is overdue, but Mengshang Bank won't allow installment. Can I complain if the third party keeps calling?

Yes. If the third-party collection is rude in the process of collection, or even harassing your family and friends, this is obviously a violent collection, so you can complain if you have the evidence. You can directly call the issuing bank to complain to the bank. If the bank doesn't care, you can complain through channels such as China Banking and Insurance Regulatory Commission and Poly Complaints. When you complain, you should provide evidence of the other party's violent collection, such as the audio and video you recorded during the collection.

Can I solve the installment repayment by calling 12378 for the overdue credit card? What materials do you need to prepare?

Many people want to apply for the personalized installment policy of the bank. In the case of being unable to repay the arrears, it can be said that for the longest 6 installments, it can be said that they are indifferent and communicate repeatedly. However, the audit threshold of banks is too high, and many people can't find a way. Instead, they heard that the banking regulatory bureau can intervene in the negotiation. Is this true?

This article will answer three overdue credit card questions for you in detail:

1. Can calling 12378 to complain about overdue credit cards solve the installment repayment?

2. What materials should I prepare to make a complaint about calling 12378 when the credit card is overdue?

3. What are the precautions for calling 12378 when the credit card is overdue?

if you negotiate repayment with the bank, and the bank is adamant and refuses to negotiate, or you still refuse to negotiate when you clearly provide the required proof, then you can call 12378 to solve the problem through the banking regulatory bureau. But you can't succeed by fighting. It depends on your situation.

1. It's no use calling if you are not qualified. Banks have the right to interpret the cessation installment, and also have the corresponding negotiation threshold. If you live in a mansion, it is not because of financial difficulties, or because you can't get a credit card for playing cards and gambling, no one can negotiate.

the installment plan of stopping interest and paying bills must be for users with special difficulties. If you submit a certificate of unemployment, hospitalization or natural or man-made disasters and confirm that you are unable to repay, the bank still refuses to negotiate. It is very effective to call the banking regulatory bureau.

2. If the bank collects your liquidated damages, but it doesn't remind you at all, and you don't know the pros and cons, you can also call 12378 to intervene in the negotiation.

3. If the bank commits illegal and violent collection in the process of collection, you can keep the evidence and turn the bank against the army. After the relevant evidence is fed back to the banking regulatory bureau, it is conducive to consultation.

if you meet the relevant requirements and are sure to complain to the banking regulatory bureau, you can prepare the materials. In addition to the complaint evidence that the bank does not agree to negotiate, you should also prepare your own materials.

1. Proof of difficulty. Why can't you repay the loan? Are you unemployed or seriously ill? Is it a family change or bankruptcy due to the epidemic? Prepare to submit it with the corresponding proof of materials and proof of difficulties in the local community.

2. proof of income. It's not just your salary slip here. In order to confirm with the banking regulatory bureau that you are really in trouble, you'd better attach your monthly income, annual income and bank expenses.

3. proof of repayment. In order to show that you are not maliciously overdue, have the initiative to pay back the money, and show your willingness to pay back the money, you should prepare the proof of your initiative to pay back the money and attach it.

since the preconditions are in place and the materials need to be prepared, there are still some things to keep in mind when making a complaint to 12378.

Actually, when you call 12378, people won't ask you anything more. As the telephone of the banking regulatory bureau, it is to supervise the unreasonable and illegal behavior of banks. After you get through, go directly to the manual service and tell the customer service what problems you have encountered.

What you should pay attention to is to clarify this issue, such as the object of your complaint, which bank and what unreasonable behavior you have. And you have to negotiate repayment, which has obviously reached the requirements of negotiation, but it has been ignored by the bank.

explain your purpose and your actual situation to the customer service, and you will register there. After the customer service record is reported, you will receive feedback within 3-7 working days, and the bank may take the initiative to contact you and negotiate with you about the installment. However, when it comes to busy business, the processing will be slower.

In short, when you are treated unfairly by the bank, you can call 12378 to complain. As long as the facts are established and the evidence is in place, it is not a dream for a third party to help you negotiate. In addition, if you have any questions about overdue credit cards, you can leave me a message for consultation.

The credit card collection company has been harassing family members. How to complain

The credit card collection company has been harassing family members. How to complain? You can complain to the CBRC.

China Banking Regulatory Commission (CBRC) is the direct supervisor of major banks. Its authority and responsibility are: under the authorization of the State Council, to supervise and manage banks, financial asset management companies, trust and investment companies and other deposit-taking financial institutions in a unified way, and to maintain the legal and steady operation of the banking industry.

in other words, all the behaviors of banks are under the supervision of CBRC, and CBRC has the right to deal with and punish any irregularities of banks.

banking supervision law of the people's Republic of China article 2 the banking supervision institution of the State Council is responsible for the supervision and management of banking financial institutions and their business activities throughout the country.

the banking financial institutions mentioned in this law refer to commercial banks, urban credit cooperatives, rural credit cooperatives and other financial institutions that absorb public deposits and policy banks established in the People's Republic of China.

the provisions of this law on the supervision and management of banking financial institutions shall apply to the supervision and management of financial asset management companies, trust and investment companies, finance companies, financial leasing companies and other financial institutions established with the approval of the banking regulatory authority of the State Council.

the State Council banking supervision institutions shall, in accordance with the relevant provisions of this law, supervise and manage the overseas business activities of financial institutions established with their approval and those mentioned in the preceding two paragraphs.

how to complain about overdue credit cards? Let's stop here with the introduction of the third party.