Once the bank's bad credit will affect many aspects of you, including personal loans and applying for credit cards from other banks.
2. There are different collection methods for credit card arrears: telephone collection, letter collection, door-to-door collection and judicial collection.
If the cardholder fails to repay the minimum repayment amount before the due repayment date (inclusive) notified by the bill of the current month, the card center collector will collect the account on the second day of the next billing date.
If the customer still fails to pay off the minimum repayment amount within the specified time, the system will automatically send a reminder letter or a reminder by the dunner according to the telephone collection of the account and the actual arrears.
The following situations need to be collected at home:
The letter and telephone call collection is invalid, which exceeds the last repayment date (overdue) by two cycles (60 days);
Unable to contact by phone or letter;
It is found that there is a high risk possibility of letter collection or telephone collection;
You can bring a lawsuit to the court in the following circumstances:
Other collection methods are invalid, and the overdraft principal and interest exceeds 1000 yuan;
Grasping the property information such as customers' arrears of deposits requires court freezing and judgment;
Because the arrears are not prosecuted by the same industry, they need to participate in the collection together.
Attitude is very important. Take the initiative to explain the actual situation to the local card department of the issuing bank. Don't shy away, the bank will think you are in bad faith. Even if you can't pay back in full, try to pay back part of it.