The credit card center collects dozens of calls a day.
The correct way is to take the initiative to communicate with the bank to explain the situation, apply for a stop, and understand it by reading the words, which can save you a lot of interest. There are two prerequisites for this application: one is bankruptcy or economic crisis, and the other is to apply to 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 that you can complete. Without this attitude and determination, the bank will not agree to your application, because agreeing means that his income will be damaged.
Can I complain? How to complain?
Regarding illegal and criminal acts such as credit card collection and address book explosion, please pay attention to asking the other party's bank, customer service phone number, work number and name in the recording state. You can complain to the CBRC or call the bank's customer service number. If the address book is exposed (it must be exposed by a foreign creditor company), keep the evidence and report it to the public security organ. Last year, many large, medium and small creditor companies were arrested by public security organs. There are also violent collection, address book exposure, privacy exposure and so on.
It is natural to pay back debts, how much ability you have and how much money you borrow; It is normal to borrow money blindly in advance, and eventually it will be overdue, which will lead to the explosion of address book collection. In fact, it is also possible to directly explode the address book. If you borrow money informally, the other party's collection staff may directly make trouble in your company or directly splash paint or draw posters at your door. Compared with these situations, breaking the address book is just a piece of cake.