1. Is 0774 the overdue credit card collection phone number?

0774 is just an area code in Guangdong and has no direct relationship with our credit card overdue collection phone number. So it does not mean that all calls starting with 0774 are overdue collection calls.

However, these calls are generally considered harassing calls. But because many debt collection calls begin with 0774, if you receive a 0774 call and your credit card is overdue, you must pay attention. You cannot refuse to answer collection calls, otherwise you will be included in the bank's malicious overdue list, which will have serious consequences in the future.

2. What is the overdue credit card collection process?

The first stage is SMS collection. When we are just overdue, the bank will usually remind us by sending text messages.

The second stage is phone collection. Generally speaking, when the loan is overdue for about one month, if the loan has not been repaid, the bank will make a phone collection.

The third stage is letter collection. If you answer the phone and still don't repay the loan, the bank will send a letter, and usually there will be a lawyer's letter warning you when it is one or two months overdue.

The fourth stage is collection by third-party companies. Personnel from third-party companies often have very bad attitudes toward collection, and may even come to your door, so everyone must pay attention.

The fifth stage is that the bank will file a lawsuit in court. When the overdue payment exceeds three months, the bank will sue. If multiple collections fail, the bank will use legal means to ask the cardholder to repay the loan.

3. How to deal with violent debt collection

1. In the case of debt collection from a third party who has nothing to do with the creditor's rights and debts, we can ensure that the debt collection party can contact us. , go directly to the bank’s customer service to complain and ask him to stop this behavior.

2. When there are too many credit card debt collection calls, although we cannot refuse the debt collector’s calls, we can agree with the other party when to contact us every day.

3. When we receive a letter from a lawyer or a court letter, it is generally not true. This is a trick used by many outsourcing companies. We can ask the other party to provide the bank’s power of attorney and their organization’s letter of authorization. After the full name, we can complain to the China Banking Regulatory Commission.

Today I’m going to talk to you about whether 0774 is a credit card overdue collection call. That ends here. I hope that through today’s sharing, I can give you a new understanding of collection.

Overdue debts are collected, with constant interest and constant phone calls, which seriously affects life. Consult legal affairs, help suspend pending debts, extend the repayment cycle, and professional lawyers will develop personalized solutions for you.