2. Collection letter: It means that the bank sends a collection letter regularly every month to remind customers to pay overdue debts in time, which has a warning function for overdue users. According to the current overdue situation of users, different dunning methods can be adopted to warn customers that they will bear corresponding legal consequences if they do not repay in time.
(1) contents of the letter:
The credit card collection letter shall contain the following basic information: cardholder information, balance of arrears, reasons for collection, relevant rights and obligations of the cardholder, account status inquiry, repayment situation, ways to raise objections and provide relevant evidence, and bank contact information.
(2) Letters should be sent by registered mail, indicating the billing address of the credit card. SMS reminder and letter collection are the most commonly used collection methods for credit card arrears, and the collection effect is the best among low-risk users.
3. Telephone collection
(1) The appropriate selection order of contact numbers for telephone collection is: mobile phone, work phone, home phone, immediate family phone and contact phone.
(2) In specific work, the time that the collection staff allows the cardholder to make a repayment commitment decreases with the increase of collection times.
(3) When the phone is connected but the cardholder is not in, the collection personnel should leave a message to inform the cardholder to contact the bank in time.
Legal basis: Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and fails to return it for more than 3 months after repeated reminders from the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196th of the Criminal Law:
(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;
(two) squandering overdraft funds, unable to return;
(3) Escaping after overdraft, changing contact information and avoiding bank collection;
(4) evading or transferring funds, concealing property or evading repayment;
(five) the use of overdraft funds for illegal and criminal activities;
(six) other acts of illegal possession of funds and refusal to return them.