2. While the other party is talking about other things in loans overdue, then 02 1 is not a bank call.
Banks and loan service platforms have outsourced collection services, so a collection agency is likely to undertake multiple collection tasks. The above is the related content of 02 1. Is that the bank phone?
Overdue bank collection steps
Collection links of 1 and M 1: Personal credit card users have just overdue for a few days, and the overdue time is less than one month. In this overdue link, users will receive a short message from the bank and a repayment reminder from the customer service hotline. At first, it just reminded users that their accounts were overdue. If the loan is not repaid, there will be strong collection by bank collectors;
2.M2 collection link: At this time, the overdue days of users have exceeded one month, but the overdue days have not reached 60 days. In the case that the bank has not repaid, the platform will inform the relevant impact of overdue. If you don't repay after being informed of the impact, it may be handled by the Legal Department, and the user will also receive a reminder letter from the Legal Department;
3.M3 collection link: For users who are overdue for more than 2 months and have not passed the collection and repayment, the bank can report the overdue situation of users to the People's Bank of China for credit investigation. This means that the non-repayment of this link has affected the user's personal credit information and the completion probability of applying for small loans, bank credit cards, car loans, etc. Not high;
4.M4 collection link: The case of overdue payment of credit cards is likely to be contracted to a collection company, which will collect credit cards from users. At this time, it is possible to exert various external pressures on users and force them to repay loans. For users with a large overdue amount, the bank will file a lawsuit and be included in the blacklist of untrustworthy people.
Can I refuse the bank's third-party collection?
You can refuse the bank's third-party collection, but the effect of refusal is not great, because the third party will continue to collect money. If you want your daily life not to be disturbed, you'd better settle the loan as soon as possible. If there is no money to repay, you can negotiate with the next party and apply for humanized repayment. This article mainly writes about the knowledge points of 02 1, which is the beginning of the collection and the content is for reference only.