According to the new regulations, commercial banks are not allowed to outsource debts to companies that are not qualified or have a record of violent collection, so cardholders can complain if they encounter unreasonable collection.
Generally, bank credit card dunning calls your mobile phone first! There are also special numbers that usually start with 9, such as Agricultural Bank of China 95599, China Merchants Bank 95555 and China Construction Bank 95533.
What are the credit card collection methods of Huaxia Bank?
There are five main ways for banks to accept credit cards:
First, short message collection. Mainly for the cardholder's early and overdue repayment behavior, usually 7 to 15 days overdue. SMS mainly plays the role of reminder.
Second, telephone collection. Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle.
Third, door-to-door collection. Mainly overdue for more than 90 days, the bank will arrange the collection staff to collect the repayment at the cardholder's residence or work address.
Fourth, the court sued. Mainly more than half a year overdue, the bank will apply to the court to sue the cardholder for repayment.
Fifth, outsourcing collection. Mainly for overdue 1 year or more, the bank packages and discounts overdue funds to the outsourcing collection company, which is responsible for overdue debt collection. There are various collection methods, from initial customer service to resorting to law and outsourcing collection, and the intensity is gradually increasing. The above collection methods are for reference only, and the bank will decide which method to adopt according to the severity of overdue situation.
Reminder: If you receive the first collection from the bank, you must find a way to return it as soon as possible, otherwise it will be easy to be sued, and the resulting illegal record will have a great impact on the future. If you can't pay it off in one lump sum, you can negotiate with the bank for repayment.