What should the bank do if the credit card is overdue?
First of all, the cardholder should make it clear that when the cardholder's credit card is overdue, the bank has the right to recover the debt from the cardholder. It is not necessarily illegal to collect money at home. Within the scope permitted by law, it is actually legal for the collection personnel to bring a third party to the door for consultation without using violence, threats, harassment, abuse and other collection methods.
When the bank informs the cardholder that there will be a door-to-door collection staff, the cardholder should not be too flustered.
1, reasonable negotiation
Cardholders can explain their situation to the collection staff and negotiate when to come to the door. Then go to the bank to print your latest bank account, or you can go to the company to print your salary details. If you can, you'd better go to the neighborhood Committee to print a proof of your financial difficulties.
After that, after the collection staff comes to the door, the cardholder can issue information about his financial difficulties and explain the specific situation to the collection staff. After friendly negotiation, both parties can agree a time with the collector, during which the cardholder can give priority to repay a sum of money, which proves that he has no intention to owe money and has a very good willingness to repay.
2. Go to the bank and take the initiative to negotiate.
Cardholders can also bring materials with financial difficulties and take the initiative to contact the bank to ask for repayment through negotiation or personalized installment. Generally, banks will not agree easily, and it is best to have some official seal documents in the information carried by cardholders.
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