Currently, there are 300 million overdue people in the country, so many people have encountered credit card collection. Some banks are fine with internal collection, but once they entrust a third-party company to collect, they have a bad attitude. They will not pay attention to their performance. Whether you live or die, it will drive you crazy.

I heard that their company stipulates how many times a day they must call you until you become impatient and collapse to repay the loan. If that doesn't work, you will contact family and friends and expose your address book. If it still doesn't work, you will give up. You the customer. So keep your mentality.

I encountered something during the epidemic. My colleague’s credit card was overdue, and the amount was more than 50,000. The person who collected the money went through the colleague’s address book. Starting from April last year, to the end of the year, the person who collected the money , all called me to inquire about the whereabouts of my colleague and his family. It is estimated that the matter has not been resolved yet. It is better not to overdue your credit card, which will affect yourself and disturb your family.

My name is Liuzhou Zai. Some people call me liquidated damages because I also owe overdue credit cards, so that’s where the nickname comes from. Some people also call me Brother Snowflake because I like to drink Snowflake beer. Almost every one of my videos involves drinking. Okay, without further ado, let’s go directly to the topic and talk about how I endured the days when I was being charged.

How I owed money on these credit cards , I will not introduce it.

I will just talk about the process of being collected. On the first day when the credit card is overdue, the bank does not have internal collection, it is all outsourced, which is equivalent to an intermediary company, such as Let’s say you open a factory and you can’t recruit people. You may be able to recruit people, but are you afraid of what will happen to your employees in the future? Are you legally responsible again? So the factory directly gives the job to an agency, and when it recruits people, it signs a contract with the agency. What will happen to the employees in the future? Find an intermediary first, and the factory does not have to bear a lot of responsibility. That's what it means.

When someone asks, my credit card is overdue, should I answer the collection call? How to explain it? If you don’t answer? Will you sue me for maliciously refusing to answer the phone? Maybe sue me?

Let me tell you about my experience. When I started overdue with you, I was also afraid of these problems. Every time they called me, I answered the phone and explained that I had no money for the time being, but the collection was ignored. You, they just ask you to pay back the money, borrow it if you don’t have any money, borrow it from friends or family, and trick you into paying back a small amount. When you tell the collector that you can’t borrow it, they will use the law to scare you and accuse you. If you don't repay a small part, you may face prosecution, be put on a blacklist, be unable to get a loan, not be able to take the high-speed rail, and so on. These words are used to scare you. I was scared to death at the time. As time went by, it just became like that.

There are more than 10 collection calls every day, but I don’t answer any of them. If I do, I don’t have the money to pay back. What’s the difference whether I answer or not? Then just stop accepting it, put everything down, and take it easy. I said I don’t have the money to pay back, but you don’t believe me? Then why should I pick you up? If it affects your mood, just ignore it. Calm down and make money is the way out.

The collection calls are also fake. He can call you, but you can’t call him, so I’ll still call you. What are we talking about? I don’t even know you, right? I answered your call this morning and again in the afternoon. It’s not the same person. You are harassing me. I’m ignoring you. I still want to live a few more years, otherwise I answer the phone every day. I'm so annoyed by you guys

On the way to the deadline, I gave up everything that didn't belong to me in life. For example, if my credit report was black, I didn't worry anymore. I gave up all the things that didn't belong to me. , starting from scratch, now I only know that making money, making money, is the way to solve the problem.

You have the right to collect money from me, I agree, I admit it, but there is no legal provision, You must answer collection calls. There is no such rule yet, so if I don’t answer the phone, it’s not against the law.

Definitely, it’s not a good feeling!

I have five credit cards: Communications, ICBC, Zheshang, Industrial, and Ping An. Most of them are overdue. I have called them all and told everyone about the collection situation of each!

My transportation debt is small, and I still have more than 2,000 yuan. The only thing I can do with a small credit is to remind me to pay back about 400 yuan every month;

ICBC’s 10,000 yuan, I have paid back more than 2,000 yuan one after another before, but the monthly interest, liquidated damages, etc. have all gone in. After the New Year, I still haven’t paid it back. I tried to find a way to pay it off in two installments in the first half of the year! There is nothing wrong with the collection, just a reminder to discuss;

The Zhejiang merchant just paid back 1210 today, and there is still 10,000 yuan. He said he was ready to negotiate, but it is nothing, and the tone is negotiation; < /p>

Xingye and Ping An added up to more than 60,000, which is very average. There are also third parties, and their tone of voice is not good. I started arguing with them directly, and they didn’t have any good ideas. I also talked to them. They complained directly and it was much better.

I am preparing and negotiating the repayment now, otherwise there will be inevitable trouble in the later period!

Nowadays, we are almost immune to debt collection. We can basically deal with various methods or tone of voice. If you say it well, I will say it well. If you say something about suspected fraud, a court hearing, calling the police, etc., I'm just scolding you!

Paying back debts is a matter of course! If you can negotiate, try your best to negotiate. Sooner or later, if something goes wrong, you can only face it bravely! Never give up on yourself, time can solve all problems!

There will be collection if it is overdue.

The first stage is 1 to 60 days, the overdue gentle collection stage.

In the second stage, which lasts from 61 to 180 days, third-party collection efforts increase. Various collection methods are available.

The third stage is 181 to 360 days. Start slowly playing the emotional card with you.

If it is overdue for more than 360 days or even for a long time, it is very likely to form a bad debt.

It is still necessary to sort out debts and plan repayments reasonably. Without debt collection, you can return to your normal life as soon as possible.

I have personally experienced debt collection by China Merchants Bank, both internally and through third parties. In fact, it is not as scary as I imagined. Even if you are firm in your attitude towards repaying the money, there is nothing you can do about debt collection. You will be unhappy from time to time, and you will be forced to collect debt. When he called me, he cursed a few words and asked me what my attitude was, and I responded with whatever attitude you wanted. Do I have an attitude of not paying back the money or something? I still have to work hard to increase my income. The situation has eased a bit at the end of this year, and I still have some balance in my income, which I plan to pay back part of. Unexpectedly, the epidemic hit again, and the community was closed, and the income was reduced by more than half. This situation is not that we don’t want to pay back. There is really no way

Because there are more overdue bank credit cards now, banks will inevitably have some "excessive" behavior in the collection process. Many people come to ask what to do? So today let’s talk about how cardholders protect their legitimate rights and interests

First of all, let’s talk about banks and third-party collections, and what attitude should overdue cardholders have? Face it?

There is an old saying in China, "It is natural to pay back debts." No matter who you owe money to or how much money you owe, you still need to pay it back. This is a principle that has not changed since ancient times. Not to mention banks, because bank credit cards are protected by national laws and may be subject to criminal liability if handled improperly. So at this time, when it comes to bank collections, we cardholders must have this mentality. If we owe you money, if you want to collect it, let you collect it.

First of all, let’s talk about the bank’s collection, which is legal, but if it exceeds the legal scope, we should boldly stand up and say "no".

No matter which bank it is, whether it is state-owned, commercial or private, as long as the cardholder's credit card is overdue, there will be collections, but the internal collections of all banks are relatively They are all relatively gentle. Some banks may be more aggressive in collecting debts, but among all banks, internal debt collection practices will not be too drastic. For example, the state has express regulations that only calls can be made if the person can be contacted. I, the bank or third parties are prohibited from harassing family members, relatives or friends. No more than two calls per day are allowed. As for door-to-door collection, it is actually prohibited in principle, and all relevant collection documents should be delivered by mail. This is just a principle. If a door-to-door visit is necessary, no more than two people can come to the door. Relevant laws have been promulgated a long time ago. Without the consent of the debtor, the door-to-door personnel are not allowed to enter the debtor's residence, let alone restrict the debtor's freedom.

If the debt collection involves the above-mentioned prohibited collection behaviors, the debtor can file a complaint directly with the bank.

"Excessive" collection behavior basically comes from third-party companies, and complaints can basically eliminate this situation.

Such collection behavior basically comes from third-party collection companies entrusted by banks. Because banks have too many restrictions on debt collection, banks' debt collection practices are of little use to many debtors who actually have the ability to repay but maliciously default on their debts. And due to various cost reasons, it is impossible for banks to complete collection tasks alone.

Therefore, banks will generally entrust a third party to collect debts if the debt is in arrears for a long time and is serious. Of course, many third-party collection companies have also restrained themselves after the country introduced regulatory policies.

Many older and more professional companies will not use low-level old tricks such as bombarding with phone calls to collect debts. However, many new collection staff in new collection companies have to take these "bottom-out" collection behaviors in order to boost performance due to their inexperience. So, in this case, there is every reason to complain about these actions.

Which agencies can you complain to after encountering "excessive" and "violent" collection behavior?

In fact, I also summarized it for my friends in my previous article, but at that time There are many summaries, and many friends may not know how to choose. Today I will tell you about it!

First: Bank

When a debtor’s legitimate rights and interests are infringed upon by a third-party collection agency, he or she can file a complaint directly with the bank, as long as you have clear evidence. , the bank’s processing speed will be beyond your imagination.

Second: Mediation Center

Each region has a mediation center of a public welfare organization, which handles disputes between financial institutions. Call the regional mediation center to resolve the issue. The process and demands are clearly informed, and the intervention of a mediation agency is also a way to solve the problem! You can check the telephone numbers of various regional mediation agencies on Baidu. If you cannot check, you can send a private message.

Third: Local Banking Regulatory Bureau

The Banking Regulatory Bureau is the direct superior of each bank. Its authority and responsibilities are: in accordance with the authorization of the State Council, unified supervision and management of banks and financial asset management companies. , trust investment companies and other deposit-taking financial institutions to maintain the legal and stable operation of the banking industry.

When you find that a third party has illegal collections, you can call the local banking regulatory bureau to report it. Of course, if you find a problem, you should complain to the bank as soon as possible. The problem with complaining to the banking regulatory bureau is that, As a national department, the Banking Regulatory Bureau has many daily affairs, and there is a certain lag in handling such issues. Of course, this is not a problem of the Banking Regulatory Bureau itself. But there are too many complaints received. If you have to deal with them one by one, it may not be so fast in terms of time, and if you don’t have enough evidence, you may not reply directly.

However, it is necessary to summarize the suggestions. It is best not to complain directly to the Banking Regulatory Bureau, because if you complain to the Banking Regulatory Bureau, you will indirectly start a war with the bank, which will directly anger the bank. For the debtor itself, it is unreasonable. In actual practice, it may bring more adverse effects to you. For example, if the amount is relatively large, more than 50,000, it is enough to open a criminal case. The bank will collect it first if it can. mentality, but if you complain directly to the Banking Regulatory Bureau, it is very likely that they will take drastic actions, such as filing a case or directly suing.

Having said that, whether you go to the Banking Regulatory Bureau or complain within the bank, it will cause loss of profits to one of the parties. For example, if you go to the Banking Regulatory Bureau, the third-party collection agency may be directly replaced by the bank, which harms them. Indirect interest, in fact, on the market now, the people who engage in collection activities are all good and bad, and the overall quality is relatively low. Based on the old saying, "It is better to offend a gentleman than a villain", I suggest that you take the initiative first Contact the bank, explain the specific circumstances of some excessive collections, and inform the bank that if "excessive" collections by third parties continue to exist, they will file a complaint with the relevant department. This method of handling is the most reasonable. You might as well give it a try.

I experienced it once at the end of 2019 and countless times in 2020. Only those who have experienced it know how it feels. At the end of 2019, my first merchant card was two months overdue. I was very scared when I got a call from debt collectors, so I hurriedly scraped together things to repay the loan. In the end, I was completely ruined because I used loans to support loans. In the fall of 2020, all credit cards and online loans were overdue, and at least 15 calls came in every day. Later, China Mobile automatically blocked those high-frequency calls, which saved me time to deal with other things. The most impressive thing was the particles. Loan, at the end of 2020, Weili Loan was overdue for about 110 days. The foreign visit department contacted me and asked me to come to my place of work and residence to check the actual situation. Because the person in the foreign visit department was from the Northeast, I felt quite right chatting with him. Anyway, they have it every day. There are requirements for call time and number of calls, so I chatted with him for a long time every time the call came in. Every time I confessed that I had no money to repay, so they had no choice. Fortunately, after negotiation, Weilidai finally stopped collecting debts and repaid it slowly in 36 instalments.

Later, when I had nothing to do, I would brag to my Northeastern buddy, haha ??

As long as you exceed the deadline, be prepared for harassment, intimidation, loss of money, exposure of your address book, home visits, lawsuits, and jail time! Even if you can't lose your life, you have to be skinned! Therefore, once it is overdue, especially for credit cards, you must try your best to cash out and raise funds. This is the best strategy, strategy, strategy!

Yes, I am currently experiencing that due to this year’s epidemic, all credit cards are overdue. At the same time, various collections began. What kind of prosecution? Come to your door and notify your parents. This experience is so difficult.