1. Generally, telephone calls will only be made to cardholders, not to their family members. After all, credit card debt is a personal debt, and banks are not obliged to pursue and harass the relatives of the cardholders. Therefore, banks call the cardholders directly for dunning when the credit cards are overdue, so there is generally no need to worry about harassing the relatives of their families
2. However, there is one exception. If the cardholder intends to avoid the collection and "run away" by changing the address and mobile phone contact information, the bank will call the emergency contact person filled in when the cardholder applies, so as to know the whereabouts of the cardholder and ask them to tell the cardholder to repay as soon as possible.
3. However, for the spouse of the cardholder, some banks may directly ask them to help pay back the credit card. After all, according to China's marriage law, the property acquired during the marriage relationship belongs to the husband and wife, and correspondingly, the debts incurred are also borne by the husband and wife.
if you encounter violent collection, you can protect your rights and interests according to the following operations.
1. Collect evidence to inform the other party that this phone call is being recorded (it will only be legally corresponding after notification), and ask the company name and employee number of the other party clearly. 2. Call the Banking Insurance Regulatory Bureau to complain truthfully about what happened to them. On the premise that I can contact them, I will call the local banking regulatory bureau, official website, or call 12378 to give feedback on the reasons for the complaint. 3. Complaints to the Anti-vice Office All over the country, anti-vice actions are being carried out. No matter whether it is door-to-door violent collection or telephone insults, cardholders can complain to the Anti-vice Office.
I hope the following information will help you:
A credit card, also called a debit card, is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the Credit Card standard is Credit Card.
credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the Billing Date. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which cardholders have a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.
from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate). On May 25th, 221, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards.