1. Can I call the police for home payment by credit card?
Many people have no money to pay back, so they want to call the police to collect debts, but this may not work. After all, as long as the door-to-door collection does not involve violent collection, there are no incidents such as beating, smashing, looting, wounding and malicious abuse during the collection process, and the police will not take care of it.
Even if the police call the police, they have no right to arrest people. After all, this is only a civil dispute, and the police will only coordinate.
2. What if I can't get my credit card at home?
1. Willingness to repay:
Although there is no money for home collection, you must show your willingness to pay back the money. Otherwise, if there is no money to pay back, there will even be a dispute with the collection staff, which may make the collection staff adopt a more intense collection method, and may even go to court directly.
2. Preserve evidence:
If there is no money to repay, you can negotiate with the collection bank, such as making a reasonable repayment plan and giving the repayment period. Don't just make verbal promises when negotiating. It is best to record the whole conversation with a mobile phone or a voice recorder, or let your family record it as evidence.
3. Repayment:
Credit cards can't be repaid in full, but in order to gain the trust of the collection staff, you can first show your willingness to repay in part. It should be noted that it is necessary to avoid direct transactions with the collection personnel, but to repay the money through the bank channel yourself, and then record the repayment situation to the collection personnel.
To sum up, if there is no credit card collection at home, you should also show a positive willingness to repay, and you can repay part of the arrears first, so as long as it is not maliciously overdue and the principal of the arrears is below 50,000 yuan, it does not constitute the crime of credit card fraud, and you can avoid being caught and punished.