1. The door-to-door forensic investigation of credit cards is mainly to collect evidence to see if you have maliciously overdrawn your credit card. If so, you will be charged with credit card fraud.

2. CITIC Bank comes to tell you that you need to repay, investigate whether you have no ability to repay, check your living situation, or prepare some pre-litigation materials and consult on some matters:

Then what we need to do is; (1) If a local bank employee comes to our door, we can ask the other party to show his bank work certificate (2) If a third party comes to our door, we need the bank authorization letter presented by the person who comes to our door. If we cannot show our ID card, we can deny the other party entry (3). During the conversation, the other party cannot threaten, intimidate or abuse. If this happens, we can record the video to save the evidence and make a complaint

According to Article 70 of the Credit Card Supervision and Administration Law of Commercial Banks, when the cardholder is overdue and unable to repay the loan in one go, he still has the willingness to repay and has a suitable reason for the overdue payment. One thing to note here is to negotiate individually. The installment needs to be done before being sued by the court, or before the debt is shown to have become a bad debt. Only then can you negotiate a personalized installment agreement with the bank. Interest-free installments can be repaid in a maximum of 5 years, which is what we call interest-free loans. However, many people have failed to negotiate with the bank after the deadline. It may be due to some expressions or improper use of methods.

2. Supplement:

There are 13 in one *** This situation will leave a bad record in the eyes of the bank and affect the loan:

1. The credit card has been late repayment three times in a row and six times in total.

2. The monthly mortgage payment is overdue or non-repayable for 2 to 3 months.

3. The monthly car loan payment is overdue or non-repayable for 2 to 3 months.

4. If the loan interest rate increases, the "monthly payment" will still be paid at the original amount, resulting in overdue interest.

5. Failure to pay water, electricity and gas bills on time.

6. Cashing out of personal credit cards.

7. Student loan arrears and non-repayment.

8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. Failure to pay it will result in a negative credit record.

9. Credit card overdrafts and mortgage loans are not paid back on time.

10. When providing guarantee to a third party, the third party failed to repay the loan on time.

11. The personal credit report will also record some economic judgments of the court. Therefore, financial disputes such as debt arrears will also affect your credit record.

12. Mobile phone deductions are linked to bank card deductions. If the relevant procedures are not completed after the mobile phone is deactivated, it will be overdue due to monthly rent arrears, which will also cause bad records;

13. Credit card arrears records are generated by someone else’s fraudulent use of ID card or ID card copy.