1. Overdue CCB credit card processing process

1. Contact the bank proactively; after the CCB credit card is overdue, the first thing you have to do is to ask for it as soon as possible Contact the staff at the Credit Card Center of China Construction Bank. The bank staff will take the initiative to explain the situation that caused the overdue credit card and your repayment attitude, including the repayment plan for the later period of your overdue credit card and the staff must have a Detailed instructions.

2. Strive for negotiation; if your China Construction Bank credit card is overdue, it is due to an economic crisis in the short term, which leads to a break in the capital chain. At this time, if you are unable to repay the loan within a short period of time, you can negotiate with the bank. Strive for the credit card overdue negotiation plan promoted by China Construction Bank to prevent interest-bearing or installment repayment.

3. Seriously implement; if we obtain overdue credit card analysis and treatment methods or other overdue post-due treatment methods and plans from China Construction Bank, we must proactively and conscientiously implement the channel agreement and plans, you must not behave dishonestly in this regard, as this will bring you many negative impacts.

2. The consequences of handling overdue credit cards of China Construction Bank

1. Overdue interest and liquidated damages; China Construction Bank and other commercial banks have basically similar methods for handling overdue credit cards. China Construction Bank Overdue credit cards will also charge penalties related to credit card overdue interest and liquidated damages. The charging standards are uniformly formulated by the People's Bank of China, so the charging standards of commercial banks across the country are unified and comply with legal regulations.

2. Credit report: China Construction Bank will also report the bad usage of overdue credit cards to the system of the Credit Information Center of the People's Bank of China on a monthly basis, and will also report overdue credit card holders to the system. The record of this bad use is recorded on the personal credit report.

3. Will China Construction Bank entrust a third-party agency to collect debts?

The answer is yes; many commercial banks in my country, including China Construction Bank, are concerned about overdue credit card debts that cannot be recovered for a long time. , according to the legal framework, we will promote this part of the debt through a reasonably authorized third-party professional collection agency.

It is legally allowed for commercial banks to entrust collection business to third-party agencies, but the collection behavior of the collection agency must be carried out according to legal restrictions. If the person being expropriated feels that the staff of the collection agency are promoting If you are suspected of infringing upon your legitimate rights and interests during the process, you can file a lawsuit with the public security organ.

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