What methods does Ping An Credit Card collect?

First, SMS collection. Generally speaking, many platforms will set up this SMS collection reminder. Once the repayment time is close, there will be this reminder SMS. These SMS are set from their system, and then they will Automatically sent to cardholders or debtors, informing them to prepare funds in the card in a timely manner, and then debit the money on time, to prevent some people from forgetting the group payment because they are too busy, which will affect their credit. It also affects their financial flow.

Second, phone collection. Generally speaking, platforms are not willing to use phone calls to collect collections, mainly because after the first text message collection, their staff will use the method of making phone calls to collect collections. For those who are being collected by phone, generally speaking, they are already overdue, and some will be 7 to 15 days overdue, or even 30 days overdue, so they will use phone calls to collect, hoping that the debtors can promptly collect. Pay off the debt.

Third, door-to-door collection. They will only use door-to-door collection when text message collection and phone collection are ineffective. However, door-to-door collection is mostly targeted at people with fixed assets and fixed real estate in cities. This kind of door-to-door collection is basically used in rural areas. Won't use it.

Fourth,. This is also their last resort, and it is also to confirm the debt so that it will not have legal effect after it is overdue. Generally speaking, the amount is relatively large. It is reasonable for them to use judicial means to protect their legitimate rights and interests. Of course, in order to avoid being included in the list of old people, if you are able, you must repay the loan in time to avoid affecting your tax collection. letter.

Fifth, outsource collection. When outsourcing collection, the main thing is to transfer the arrears to outsourcing agencies for collection. There are many methods of collection, but outsourcing is generally annoying to people, and it is also easy to have a great impact on life, so I advise you to do it. Repay on time and spend rationally.

The Bank of China 20,000 card is overdue for 15 months and is being collected by an outsourcing company. I am unable to repay it in one lump sum and the bank refuses to pay it back in installments. What will be the consequences if I pay it back every month?

I suggest you Repay as soon as possible to avoid incurring more additional fees. Your repayment status will be reported to the People's Bank of China's personal credit database in a timely, objective and true manner.

If you have other business needs, you are welcome to download the Bank of China mobile banking APP or follow "Bank of China Micro Banking" on WeChat to continue consulting and handling related businesses.

If you have other business needs, you are welcome to download the Bank of China mobile banking APP or follow "Bank of China Micro Banking" on WeChat to continue consulting and handling related businesses.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

Which collection platform is Credit Card Dai?

Card Credit Card is an outsourced collection company

The company mainly collects overdue credit cards. Credit card collection is through phone calls, emails, If the money is not paid back after 90 days, such as door-to-door payment, you can directly report the crime to the local public security bureau on credit. As long as the credit card overdraft limit is more than 10,000 yuan and is not repaid, the case can be filed directly, the real estate, bank deposits, etc. can be frozen, and the trial will be quick. Collection companies like Credit Card Loan mainly work for some local banks. Because local banks lack funds, they outsource collection tasks

What is the job of a credit card collector?

This collection work is really bad. Frankly, this job is not a normal job. For a long time, it can be said that for the sake of profit, we have walked on the edge of the law. If you're not careful, it's a crime.

You'd better not do such a job. This kind of job is not a good job. Overdue credit card collectors at outsourced companies can be said to be similar to temporary workers, collecting debts owed. Suffice to say, the jobs you typically receive are very difficult debt collections.

You may meet all kinds of people.

Generally speaking, if the bank customer service politely urges for a long time and the debt has not been paid off, it is possible to enter an outsourcing company. Arguably, much of the credit card debt these people owe cannot be repaid. Otherwise, no one would want to keep owing them money if they could. Therefore, if a collector treats these people with credit card debt politely, he may still not pay them back. In this case, the collector will not be able to be effective and will not be able to receive salary income.

If a collector wants someone with credit card debt to pay off the money as quickly as possible, he may have to resort to some methods, which may be a bit of a violation of the law. It's really uneconomical if a debt collector has to take such a big risk just to collect some salary commission. Therefore, it is best not to do such work, otherwise the risk is very high.

: Bank positions:

1. Bank teller

There are two types of bank tellers, one is the front desk teller and the other is the back office teller teller. The front desk cashier mainly receives customers and handles corresponding business, and the back office cashier checks some bank notes in the back office; the back office cashier should be more careful. They often have to review bills and accounts. They cannot be careless. If there is a small discrepancy, it can cause huge losses to the bank. You must remember to lock your computer screen and drawer safe when you leave your seat. You cannot let others touch your business seal and name seal.

2. Customer Marketing

The main job content of this position is to attract customers. He is good at exploring potential customers and has strong communication and marketing skills. He can not only meet customer needs and provide practical value, but also enable the bank to obtain operating profits and maintain normal operations.

3. Product support

Product support positions mainly analyze some customer needs, develop products that meet market needs based on needs, and seize customer resources for banks. Product support positions are often very demanding. Have good analytical skills and understanding of financial products.

4. Risk control

Risk control positions are mainly to prevent and control customer credit risks, operational risks, etc. At the same time, it is also necessary to monitor relevant risk indicators and improve the bank's own ability to resist risks. At present, major domestic banks have relatively large demand for risk control positions. Risk control positions generally require individuals to have strong risk foreseeing capabilities, determine when risks occur or are about to occur, and take timely response measures. At the same time, we must do a good job in risk control and have strong project operation capabilities.

5. There are many IT jobs.

In addition to maintaining the stability of the banking system, we also need to develop and test new application software, such as banking mobile applications or clients. Information technology positions require higher levels of computer expertise and require strong development and innovation capabilities.

What is the credit card debt collection process and what are the precautions?

(1) The card-issuing bank must review the legality of the collection outsourcing company. As a third-party agency, the legitimacy of credit card collection outsourcing companies has always aroused public doubts. Relevant state departments have issued prohibitive documents against "debt collection companies" and "debt collection activities" in society. Most third-party collection companies are "debt collection companies" that are outside of laws and regulations and do not have business licenses issued by the state. License, and the lack of restrictions and management by relevant laws and regulations, all of which make it illegal for such third-party collection companies to undertake collection business. Therefore, when banks choose a collection outsourcing company, they should pay attention to choosing a third-party company with the qualifications to operate the collection outsourcing business for cooperation. (2) Pay attention to the legality of outsourced collection authorization. After a credit card customer overdrafts, a creditor-debt relationship is formed between the bank and the customer, and the bank has the right to require the user to repay. Entrusting a collection outsourcing company to carry out debt collection actually means that the bank authorizes the collection right to require repayment from customers to the collection company. In this process, whether the scope of authorization is clear, whether the authorization authority is legal, and whether the collection company's collection methods are legal will all It affects whether the outsourced collection is legal and effective. The legal consequences caused by unclear authorization and illegal collection will be jointly borne by the bank and the collection outsourcing company.

The rights that collection outsourcing companies can only exercise are to remind customers of credit card debts to repay. Whether by phone or door-to-door interviews, they cannot use any means other than reminders to collect debts. Therefore, when a bank entrusts a collection company to exercise its collection rights, it should authorize the collection company to exercise its collection rights in the form of written authorization or signed agreement, clarify the scope of collection rights, and require the collection company to adopt legal means to collect. At the same time, the monitoring of collection methods and means of collection companies should be strengthened. Collection companies that use illegal means such as telephone harassment, threats and extortion to collect collections should be promptly stopped or even terminated their authorization. (3) Card issuing banks must pay attention to the confidentiality obligations of customer information. When a bank authorizes a collection outsourcing company to conduct collection services, it needs to submit relevant customer information, such as name, ID number, contact number, credit card, etc. This creates the risk of customer information being leaked. Once an illegal collection outsourcing company takes advantage of a bank's loopholes in credit card issuance, uses this information to apply for a credit card, or leaks customer information to a third party, the bank may be liable for breach of confidentiality obligations and may also cause serious consequences to the customer. economic losses. Therefore, when banks authorize third-party companies to outsource collection, they should strictly control the scope of customer information provided, and clarify various confidentiality obligations and breach of contract responsibilities with the collection outsourcing company to avoid various legal consequences that may result from the leakage of customer information.

What are the collection methods for credit cards? What are the collection methods for credit cards?

1. SMS collection. It is mainly aimed at the overdue repayment behavior of early cardholders, which is generally 7 to 15 days overdue. SMS mainly serves as a reminder.

2. Telephone collection. Mainly for overdue behavior that exceeds 30 days and lasts for more than one billing period, telephone reminders are provided for repayment.

3. Door-to-door collection. Mainly for overdue payments of more than 90 days, the bank will arrange collection personnel to visit the cardholder's residence or work address to collect repayment.

4. Mainly if the card is overdue for more than six months, the bank will apply to the cardholder and require the cardholder to repay the loan.

5. Outsourcing collection. Mainly for overdue funds of more than one year, the bank will package the overdue funds and give them at a discount to an outsourced collection company, which will be responsible for collecting overdue debts.

This concludes the introduction to credit card outsourcing collection and credit card outsourcing collection methods. Have you found the information you need?