26 kinds of pressure words used by credit card collectors

1. In the face of collection cases, the collectors should first sort out and classify the cases themselves, be familiar with the overall situation of the cases and the basic information of the collectors, and be aware of them. At the beginning of collection, the general call sequence is the line unit phone, then the home phone, and finally my mobile phone; When these can't be contacted, they will call the contact person (or relatives/units) to implement the situation and tell the debtor to repay through the contact person.

2. if the debtor can't be found by the above methods, search on the website (or 114) through the information in the case database or inquire by mobile phone or fixed telephone.

3. if the debtor cannot be found through the above methods, the company will send overseas personnel to the door and bring back the required information for collection; In addition, foreign visitors play a great role in the collection process, so it can be said that the success or failure of the collection lies with foreign visitors.

4. Know the debtor's information, and send a collection letter and a lawyer's letter to his family and work unit in turn to inform him of the debt.

5. In the process of collection, the field staff will be responsible for sending letters, collecting at home, and implementing the debtor's information on the spot, mainly putting pressure on the debtor.

6. Don't collect money from the cardholder as a bank, and don't have personal attacks during the negotiation. Avoid lowering the debtor's settlement amount at will and never accept money.

dunning skills and classic words

dunning skills are straight to the point, improvising, locking in the core figures and not easily tearing their faces.

1. Get to the point

First of all, you should straighten your position and posture. Don't let the other party go against the customer in the matter of urging money. The most effective way is to speak frankly, and don't feel embarrassed.-It will only be counterproductive to beat around the bush.

2, improvise

Before taking dunning action, we should know ourselves and know ourselves, first find out what is the reason for the other party's default, and then adopt different collection strategies according to different situations and break them one by one.

3. Lock in the key people

From the initial cooperation with customers, we should lock in the key docking people and form a fixed communication mode. Never let the other people pass the buck and be led by the nose.

4. Don't tear your face easily

It is inevitable that you will look at people's faces and suffer from anger repeatedly when you make a dunning, so that one person will make excessive behavior because of the frustration. I don't know that once the face is torn, the other party may break the jar and fall, and it will become more and more difficult to collect money.

classic words

1. Introduction: Hello, Mr./Ms. XX, do you know that your credit card of China Merchants Bank is in arrears at present? When will you deal with it? My surname is ×, and I am responsible for handling this matter of yours. Please contact me if you have anything. The telephone number is XXX. (I will contact the customer later, that is, I am Mr./Ms. X, which is the opening of handling your XX bank credit card.)

2. When the cardholder has doubts about our identity: Mr./Ms. XX, your credit card was used on XX, XX, and your last payment date was XX, XX, and your ID number was XXXX. Your billing address is XXX (use the card clerk information provided by the bank to dispel the card clerk's doubts)

3. When the card clerk asks which department we are: I am the accounting processing group/legal department. When the card clerk asks what company or bank we are, we are the outsourcing office of XX Bank, and we have a very close contact with XX Bank, helping XX Bank to handle the reminder and notification of account arrears.

how to collect credit card arrears? These methods are the most common

In real life, there are often a group of people who think that they can not repay their cards after they are overdrawn, but they don't know that if they do so, they will be collected by the bank. However, the means of bank collection are endless, which makes people hard to prevent, and finally seriously affects their daily life and work. Let's tell you how banks collect credit card arrears.

What are the common collection methods

Banks will have different collection schemes according to different situations. Let's take a look at them together.

the first stage

refers to the period from the last repayment date to the next billing date, that is, one month overdue, and the bank will remind you by SMS or telephone to make a quick repayment, and besides the principal of the arrears, there will also be liquidated damages and interest during this period.

the second stage

this refers to the second month after the overdue, that is to say, if two bills have been paid after the overdue, the bank will officially start to collect them, and you will receive a call from the collection staff. The amount owed at this stage is the principal+liquidated damages+compound interest generated after the overdue.

the third stage

this stage means that the bank will intensify the collection after the three bills are overdue, not only for yourself, but also for calling your emergency contact person to remind you to repay. Besides the pressure from the bank, you should also face the colored eyes of friends and relatives.

the fourth stage

means that you are overdue for 3 months, and the bank has made two effective collections for you, such as phone calls and text messages, but you haven't paid back, so the bank staff may come to your office or residence to meet you for an interview. If you can't be contacted, the bank will go to your household registration and ask friends and relatives to tell you, which will indirectly put pressure on you.

in the fifth stage

if the above collection means fail, the bank will report the case to the police station, or directly to the overdue cardholder, and the public security organ will intervene in the investigation after filing the case. If it is found that you are maliciously overdrawn and constitute a credit card crime, then you will be investigated for criminal responsibility, and you may be arrested and punished, even after punishment, you need to repay.

This concludes the introduction of credit card dunning skills and credit card dunning skills. Did you find the information you need?