1. What should I do if I borrow a credit card and can't repay the home collection of the interviewee who went abroad?
1. After the debt collector comes to the door, everyone must take photos first and then record the negotiation process between the two parties for future needs. And ask the dunner to show his identity certificate, work certificate and authorization from the bank or platform. If the other party can't provide it, he can ignore it.
2. When you come to collect money, you must not refuse to communicate with the other party, and you must not resort to abusive, beating and other means of violent confrontation. What we should do is to negotiate with each other calmly, explain the reasons why we can't repay, express our willingness to repay, and have a good repayment attitude.
3. After the door-to-door collection, everyone must honestly negotiate an operable repayment plan with the other party according to their actual situation, and don't promise something that can't be achieved in order to breed the other party.
4. If the other party uses obvious means of violent collection, such as threats, intimidation, detention, beatings, etc. You must contact the local public security organ immediately without hesitation and provide the criminal evidence of the other party in time.
Second, how to negotiate with the bank before the credit card is available?
1. shows a positive repayment attitude: if you want to negotiate with the bank, apply for extending the repayment period, repaying by installments or stopping interest payment, and you can't choose to ignore the arrears after the deadline. Even if you can't pay all the overdue debts for a while, the cardholder should be able to pay back a little, so that you can show a positive willingness to repay when negotiating with the bank in the future.
2. Explain the reasons for overdue: As long as the reasons for overdue are clearly explained, such as business failure or urgent need, and sufficient information is prepared, the bank expresses its willingness to actively repay the loan, and the bank will consider it as appropriate according to the cardholder's situation. If the bank agrees, the cardholder can negotiate a new repayment plan with the bank and then repay according to the new repayment plan.
3. Keep the call open: If you can't get in touch with yourself when the credit card is overdue, it will lead the other party to misunderstand that we are evading repayment.
What should I do if I encounter problems such as outstanding credit card debt, overdue, excessive interest and collection?
Reminder: When the cardholder realizes that he is about to be overdue or overdue, he should call the customer service of the issuing bank as soon as possible to postpone the repayment date. If it is overdue, it is likely to face collection. At this time, the cardholder should raise money and pay back the money as soon as possible. For the specific solution, please click the consultation button below to communicate with the lawyer one-on-one and get the "solution".