General banks or general companies will have a legal department, which is responsible for internal collection of the bank, so the credit card legal department is responsible for collection. If a long-term loan is overdue, it will affect personal credit. The bank will provide accurate feedback on the user's card usage in accordance with the regulations of the People's Bank of China. And during this period, the bank will have specialists to collect the debt through text messages, phone calls or door-to-door visits, and there will be a corresponding agreement in the application form when opening the card. If the loan is seriously overdue, the bank will keep it and follow legal procedures. At the same time, a text message reminder will appear regarding the right to control the recovery. The above is the relevant content of whether the credit card legal department is collecting money. How to use bank credit cards

1. Use them in moderation: Bank credit cards allow you to shop first and then repay the loan. Customers do not need to save in advance. They can go directly to large shopping malls, cinemas and other places to use their credit cards. Consumption;

2. Repay the loan on time: After the customer uses a bank credit card and incurs a credit card bill, he must repay the loan before the loan repayment time limit expires in the next month, and can choose to pay in installments;

3. Pay attention to special offers: Bank credit cards will release special benefits from time to time, and customers can receive special benefits;

4. Points redemption: Points from bank credit cards can be used to exchange for corresponding gifts.

This article mainly writes about the knowledge points about whether the credit card legal department is collecting money, and the content is for reference only.