Credit card inquiries are based on the customer and cannot be based on collection.

The first step: customer service, specialists, legal department.

Based on the bank’s internal phone number + area code, such as 021--(Shanghai area code) 95555, etc., the content is mostly text messages, emails, and phone calls; this kind of collection is usually 1-3 bills during the overdue period. Generally, if the bill is overdue for three days, the bank will require the cardholder to pay off the bill in full and the card will be cancelled.

The second step: external reminder.

Entrust a collection company or law firm through the bank.

Generally, phone calls and text messages are the standard, but most phone numbers are virtual numbers. Some bad collections will explode the address book. By adding chat software, you can contact emergency contacts and send lawyer letters, collection letters, prosecution notices, property preservation letters, case filing notices, etc. The local police station will even be contacted to investigate.

Step Three: Prosecution.

This is what everyone is more concerned about. Prosecutions are generally divided into civil and criminal prosecutions. Generally speaking, there are more civil prosecutions and the probability of criminal prosecutions is smaller. According to data, there are three commercial banks with relatively high prosecution rates (S Pudong, China Banking and China Merchants Bank). Basically, the time is about five months. The prosecution location is usually in the local court at the bank headquarters, and some are in the provincial capital where the household registration is located. The amount of the prosecution is relatively large (more than 50,000).

In fact:

The concept of "repay first and then pay in installments" in third-party collection is very vague. First of all, no matter how much the debtor repays, the work entrusted by the bank has a certain account and a collection rate. Second, third-party collection only allows the debtor to repay the debt first and then pay it in installments. This happens to many partners. But the collector will not promise whether the installment will be successful, and partners should understand why.

There are also some banks, such as China CITIC Bank and Ping An Bank, which have different levels of early repayment, ranging from 10 to 50. This part of the money is the earnest money used by the bank to determine the debtor's ability to repay.

Finally, some partners will directly submit a case for collection after repayment, but in fact, when the bank entrusts it again, it will still call the debtor.

To sum up, the status of third-party credit card collection agencies and debtors are completely different, and their positions are opposite when dealing with debt issues.