1. There are two types of credit card collection: internal collection and outsourcing collection. Internal collection usually refers to the overdue payment of customers within three months. Generally speaking, the telegraphic transfer link of bank customer service reminder or telegraphic transfer of each commercial exit (M3 period)!
2. Outsourcing collection mainly refers to that the credit card center entrusts some customers who are difficult to handle, and after the internal collection fails, there are problems in the companies in the collection industry (some law firms), and they lose contact or have a small amount of funds.
3. The credit card delay fee refers to the delay fee when the actual repayment amount on the appropriate repayment date of the credit card is lower than the actual repayment amount of the minimum repayment amount. It is understood that the proportion of overdue fines is uniformly stipulated by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment amount. However, due to different banking policies, the minimum amount is also different.
1. M period, which is from the second day of the last payment date to the next billing date. During this period, the bank records are almost intact, but late fees and full interest will be charged. During this period, banks generally don't collect it, and only remind the overdue repayment period through SMS platform or telephone!
2, M1, which is the continuation of M, that is, between the second billing date of the second bill and the final payment date of the second bill, the credit record will be uploaded to the credit investigation system of the People's Bank of China, which may affect the housing purchase loan or credit loan, and will charge late fees. If it is before the second payment date, just charge a delay fee, otherwise it will be charged twice, and the interest will be charged by copying the current amount owed! During this period, banks usually remind customers of a large amount of money, that is, collectors in the collection department of credit card centers will call to remind them to repay! Some banks did not collect it during this period to earn more delay fees and interest.
Period 3 and M2 is the continuation of M1, that is, between the unfinished payment between the third account paper and the final payment date of the third bill, the credit record will have a great impact, and there will be stains in the credit investigation record, which will have a great impact on future loans and find jobs in large enterprises. A delay fee will be charged. If it is before the third payment date, the second delay fee will be charged. Otherwise, interest will be charged by compounding the current arrears! During this period, banks usually use the method of urging repayment. Relevant collectors call to inform the impact of credit records and the consequences of non-payment.