Is the job of a credit card collector good?
Very good. This job is okay and relatively formal. Just make phone calls every day to collect debts. However, there are times when you get upset because people who owe money are averse to debt collection calls. ____ is responsible for bank credit card asset risk management, through phone calls, letters, and judicial procedures. We urge overdue customers to repay their loans, help them restore their credit, and preserve bank assets to the maximum extent possible.
1. Credit card collection is divided into two types: internal collection by the bank and outsourcing collection. Internal collection usually refers to customers who are overdue within three months. They are usually reminded by the bank’s customer service (M0 period) or contacted by the electronic collection department. (During M1 and 2) or the offices of various business outlets will come to you (During M3) to collect overdue amounts!
1. Outsourcing collection mainly means that the credit card center entrusts some customers who are difficult to handle, have problems, have lost contact or have small amounts to a company specializing in the collection industry after internal collection fails. law firm) for collection.
2. The M1 period is the continuation of the M0 period, that is, between the second bill date of unpaid debt and the last payment date of the second bill, the credit record will be uploaded to the People's Bank of China Credit Report system, most likely affecting issues such as home loans or credit loans.
A late payment fee will also be charged. If it is before the second payment date, only one late payment fee will be charged. Otherwise, it will be charged twice, and the interest will be compound interest on the current arrears. During this period, banks will generally issue reminder collections for customers with large amounts, that is, the collection staff of the collection department of the credit card center will call to remind them of repayment. Some banks do not collect debts during this period in order to earn more late fees and interest.
3. The M2 period is a continuation of M1, that is, between the third bill date of non-repayment and the last payment date of the third bill, the credit record has a greater impact. In the banking industry There will be stains on your credit record, which will have a great impact on future loans and finding a job in a larger company.
4. A late payment fee will be charged. If it is before the third payment date, a second late payment fee will be charged. Otherwise, for the third time, the interest will be compounded on the current arrears. During this period, banks generally use legal reminders for repayment. Relevant collectors will call to inform them of the impact on credit records and the consequences of non-repayment. During this period, banks will contact the debtor's relatives and friends to help remind the debtor. Repayment. Some banks are tough on debt collection, and may even have collectors disguise themselves as lawyers to put pressure on debtors. However, some banks are light on debt collection and only carry out reminder collection during this period.
What is the job like as a credit card collector? Is there a future?
Nature of work: You can be very happy when facing customers. If you are skilled, you can vent at will\r\nYou still have to pretend to be a grandson when facing leaders. \r\nFuture: It’s the same in any profession. Once you’ve done well, you’ll be promoted to team leader, supervisor, manager. It’s a difficult road to make.\r\nYou usually don’t see them in the office, but they do exist in the company. Work in the office. Sometimes you need to run outside. But most of the time I am on the phone in the office. \r\nTo be honest, not ordinary people can endure this job, but those who can endure it have very mature thoughts and calm minds. When facing customers, you must patiently understand the customer's situation, so the knowledge you must learn will be very comprehensive. Including credit card application, interest calculation method, dangers of overdue payment, and repayment methods. \r\nThe task is very simple, just get the money back. The process is very challenging and requires you to exert yourself in all aspects. It not only requires professional answers, but also a grasp of human psychology. Some people have money but should not be able to pay it back. At this time, you must also find a way. You don’t have to be a tough guy to do this job well, but you need to be a person with a strong heart, especially in some door-to-door collection cases, or Some cases of fraud. It can train your strong heart. (The red grease and intimidation on TV are exaggerated, but they exist)\r\nIn short, I saw that many of my colleagues who collect debt are married, relatively mature, and those who have done well are very tough. The average salary is around 8,000 (just a reference from my previous place). So, it can actually be done.
Is it easy to be a credit card collector?
1. Credit card collectors actually help banks collect debts. Early collections are usually done by collectors from the bank’s credit control department only through text messages, The phone calls remind the cardholder that there is a debt on the credit card that needs to be paid off; and the later it goes, the more difficult it will be to collect, especially if the collection is outsourced.
2. Outsourced debt collection is basically bad debt, and it is difficult to get it back. The collectors of the collection company need to have certain collection skills, especially to explain to the other party the interests of overdue credit cards in a well-reasoned and well-founded manner. You also need to have a strong mentality to face the other party's cold words.
3. However, as a credit card collector, you must not use violence to collect money. For example, breaking the address book, destroying property at home, harassing the debtor or even his family for a long time, malicious slander and insult, etc. are all illegal.