Credit card collection is divided into internal collection and outsourcing collection. Internal collection usually refers to customers who are overdue for less than three months, usually by bank customer service reminder (M0 period), electric reminder (M 1 2 period) or door-to-door collection at all business outlets (M3 period)!
Outsourcing collection mainly means that the credit card center entrusts some companies (some of which are law firms) specializing in collection industry to collect some customers who are difficult to handle, have problems, lose contact or have a small amount after internal collection fails.
Extended data:
Between the fifth billing date and the last payment date of the fifth bill, the credit record has a great influence, and there will be a big stain on the bank credit information system, which will seriously affect all the business in the bank.
And you can't enter enterprises and public offices that have strict requirements on credit records. A late fee will be charged (some banks will stop charging). If it is before the fifth payment date, it will be charged four times, otherwise it will be charged five times.
Interest is the amount currently owed, and compound interest is charged! (At this time, the interest rate is already very high) At this time, the internal collection will be stopped, and the bank will classify the accounts: in the first case, the amount is small, and the bank basically entrusts it to a third-party collection agency.
That is, companies that specialize in debt collection for financial institutions. Generally, most of these companies are law firms and will come to the door, but in this case, the sub-center of the bank will also have staff to collect debts.
However, most of them talk about repayment and contact the cardholder's household registration for help, and ask their relatives and friends to inform them, which indirectly puts pressure on overdue customers.
Baidu Encyclopedia-Credit Card Collection