After the credit card is overdue, the bank will use various means to collect it, and the door-to-door collection is also very frequent. However, many cardholders are still unable to repay their credit card debts after they come to the bank for collection. So, what should we do in this case? Let's have a look.

1. Can I call the police for home payment by credit card?

Many people have no money to pay back, so they want to call the police to collect debts, but this may not work. After all, as long as the door-to-door collection does not involve violent collection, there are no incidents such as beating, smashing, looting, wounding and malicious abuse during the collection process, and the police will not take care of it.

Even if the police call the police, they have no right to arrest people. After all, this is only a civil issue, and the police will only coordinate.

2. What if I can't get my credit card at home?

1. Willingness to repay:

Although there is no money to pay back when you come to the door, you must show that you are willing to pay back the money. Otherwise, if there is no money to pay back, there will even be a dispute with the collection staff, which may make the collection staff take a more intense collection method or even leave directly.

2. Preserve evidence:

If there is no money to repay, you can negotiate with the collection bank, such as making a reasonable repayment plan and giving the repayment period. Don't just make verbal promises when negotiating. It is best to record the whole conversation with a mobile phone or a voice recorder, or let your family record it as evidence.

3. Repayment:

Credit cards can't be repaid in full, but in order to gain the trust of the collection staff, you can first show your willingness to repay in part. It should be noted that it is necessary to avoid direct transactions with the collection personnel, but to repay the money through the bank channel yourself, and then record the repayment situation to the collection personnel.

To sum up, if the credit card is not collected at home, you should also show a positive willingness to repay, and you can repay part of the arrears first, so as long as it is not maliciously overdue and the principal of the arrears is below 50,000 yuan, it will not constitute a credit card crime and you can avoid being caught and punished.

What should the bank do if the credit card is overdue? Don't panic, there is a way to deal with it!

As the mainstream credit product of banks, with the continuous development of social economy, many people now apply for a credit card after they have a job in case of emergency. However, in real life, many people have overdue credit cards for some reasons. What should the bank do if the credit card is overdue? Don't panic, there is a way to deal with it!

What should the bank do if the credit card is overdue?

First of all, the cardholder should make it clear that when the cardholder's credit card is overdue, the bank has the right to recover the debt from the cardholder. It is not necessarily illegal to collect money at home. Within the scope permitted by law, it is actually legal for the collection personnel to bring a third party to the door for consultation without using violence, threats, harassment, abuse and other collection methods.

When the bank informs the cardholder that there will be a door-to-door collection staff, the cardholder should not be too flustered.

1, reasonable negotiation

Cardholders can explain their situation to the collection staff and negotiate when to come to the door. Then go to the bank to print your latest bank account, or you can go to the company to print your salary details. If you can, you'd better go to the neighborhood Committee to print a proof of your financial difficulties.

After that, after the collection staff comes to the door, the cardholder can issue information about his financial difficulties and explain the specific situation to the collection staff. After friendly negotiation, both parties can agree a time with the collector, during which the cardholder can give priority to repay a sum of money, which proves that he has no intention to owe money and has a very good willingness to repay.

2. Go to the bank and take the initiative to negotiate.

Cardholders can also bring materials with financial difficulties and take the initiative to contact the bank to ask for repayment through negotiation or personalized installment. Generally, banks will not easily agree, and it is best to have some official seal documents in the information carried by cardholders.

The above is the related content sharing of "What to do with overdue credit cards". I hope I can help you!

What should the bank do if the credit card is overdue?

Negotiate with the collection staff, and at the same time, you can turn on the mobile phone to record. If the card is repaid monthly after it is overdue, the repayment data can be displayed to the collection personnel; Call the customer service of the issuing bank to negotiate and ask to stop payment; Paying money to the card every month lets the bank know that the user is only temporarily unable to repay, but has the willingness to repay.

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1. Nowadays, many people use credit cards, especially young people. It is normal for them to have several credit cards, but many young people lack a kind of self-discipline in the process of using credit cards. Many people just brush casually, have no plans at all, and have not arranged their credit cards reasonably according to their income. As a result, many people are unable to repay their credit cards after the bills come out. However, credit cards are issued by banks. Banks are not charitable organizations, but commercial organizations. The core purpose of issuing credit cards to everyone is to make money. Therefore, after everyone is overdue, the bank will definitely try its best to get the money back. At this time, overdue users will face various collections.

2. The collection methods adopted by banks at different stages are different. For example, within one month overdue, this situation is relatively light, and banks generally give priority to SMS notification; One to three months overdue, the bank began to call for collection; If it is overdue for more than three months, the bank can arrange professional collection personnel to collect it at home, and then ask the debtor to repay by sending a lawyer's letter; If it is overdue for more than 6 months and the overdue amount is relatively large, the bank may even take everyone away. If someone has come to collect money, it means that the overdue amount and overdue time should be more serious. But in the face of bank door-to-door collection, you don't have to worry too much. After all, banks are formal financial institutions. According to the regulatory requirements, banks can't use violence to collect the money, otherwise you can report them.

3. If the overdue amount is relatively large, such as 50,000 yuan, and the overdue time is relatively long, and everyone ignores it in the process of bank collection, and even takes countermeasures to avoid bank collection, it is very likely to be judged as malicious overdraft. According to China's current laws and regulations, if the amount of malicious overdraft of credit cards reaches more than 50,000 yuan, it may be recognized as a credit card crime, and then bear criminal responsibility. However, if everyone tries to pay back a part of the money every month after the deadline, it can be said that everyone is trying their best to pay back the money, and subjectively, they are not maliciously avoiding the bank's collection, so that even if they are collected by the bank in the future, they are in a relatively favorable position.

The introduction of overdue home collection of credit cards ends here.