Credit card collection skills

1. Collection posture is very important:

When you meet the customer, you must let the customer know that you are not here to greet you. They are here to ask for money, so they have to act like they are collecting money. The collection posture mentioned here is not just about bragging and glaring at the customer, but telling the customer that you got the money and I paid a certain price, and now it is time to pay back the money.

2. Have a clear purpose and avoid beating around the bush:

Once the posture is established, it is time to start collecting money. At this time, you should not chatter or chat with the customer. Let’s make it clear today. The purpose of my visit is to make a special trip today to collect payment. I must explain it clearly before the customer complains. Paying back debts is a matter of course.

3. Seize the opportunity for collection according to the customer's enthusiasm for repayment:

You must go at the agreed time, and you must arrive at the agreed location one step ahead of the customer. This is a trick for collection. This prevents customers from saying back: "I've been waiting for you for a long time and you didn't come, so you just left?" It also prevents customers from using the loan they should have repaid for other purposes.

4. Refuse customers to offer you a pie:

Some customers will give you a pie first when you collect money. The so-called pie is to tell you all our goods. How much money will be recovered after selling it; how much profit can our equipment bring when online, etc. Don't be fooled by customers at this time, and you must still be determined to collect payment.

5. Before collection, clarify the reasons for the customer's default:

Before collection, the loan officer must find out what is the reason why the customer cannot repay on time. Is it because he is too careless and forgets? Time, not satisfied with the product? Money is tight? Or just don’t want to pay back the money? Only by clarifying the real reasons why customers owe money can we adopt different strategies for collection. [img]

What are the main methods of credit card collection by banks?

Credit card collection is divided into two types: internal collection by the bank and outsourcing collection. Internal collection usually refers to three overdue collections. Customers within 3 months will generally be reminded by the bank’s customer service (period M0) or contacted by the electronic reminder department (period M1, 2) or visited by offices of various business outlets (period M3) for overdue payment reminders!

Outsourcing collection mainly refers to the fact that the credit card center entrusts some customers who are difficult to handle, have problems, have lost contact or have small amounts of money to a company specializing in the collection industry (some are legal affairs) after internal collection has failed. ) to make a call.

Type:

M0 period

It is from the second day of the last payment date to the next billing date. During this period, the bank record will be almost intact, but late payment fees and full interest will be charged. During this period, banks generally do not collect debts and will only remind them that the repayment period has exceeded through SMS platforms or phone calls!

The M1 period

is the continuation of the M0 period, that is, during the second period of non-repayment Between the first bill date and the last payment date of the second bill, the credit record will be uploaded to the People's Bank of China credit system, which is very likely to affect issues such as home purchase loans or credit loans. At the same time, late payment fees will 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 compounded on the current arrears!

M2 period

It is the continuation of M1, that is, between the third bill date of non-repayment and the last payment date of the third bill, there is a larger credit history There will be stains on credit records in the banking industry, which will have a great impact on future loans and finding jobs in larger companies. A late payment fee will be charged. If it is before the third payment date, a second late payment fee will be charged. Otherwise, the interest will be charged compound interest on the current arrears amount for the third time.

M3 period

It is a continuation of M2, that is, between the fourth bill date of non-repayment and the last payment date of the fourth bill, there is a very large gap in the credit record. There will be a big stain in the bank's credit reporting system, which will directly affect various businesses in the bank, and it will not be possible to enter companies, especially civil servants, that are very strict about credit reporting records.

M4 period

It is a continuation of M3, that is, between the fifth bill date of non-repayment and the last payment date of the fifth bill, there is a very large gap in the credit record. There will be a big stain in the bank's credit reporting system, which will seriously affect all business in the bank, and you will not be able to enter companies and public offices that are very strict about credit reporting records. Late payment fees will be charged (some banks will stop charging). If it is before the fifth payment date, four late payment fees will be charged. Otherwise, if it is five times, the interest will be compounded on the current arrears.

How to collect credit card debt? These methods are the most common.

In real life, there is often a group of people who think that they can not repay after overdrafting their own cards. Little do they know that if they do not repay overdue, they will be fined by the bank. collection. The bank's collection methods are endless, making it difficult for people to guard against, and ultimately seriously affecting the daily life and work of themselves and their families. Let me tell you how banks collect credit card debts.

What are the common collection methods?

Banks will have different collection plans for different situations. Let’s take a look at them together.

The first stage

This refers to the period from the last repayment date to the next statement date, that is, one month overdue, the bank will take text messages from you. Reminders or phone calls allow you to repay quickly, and during this period, in addition to the principal of the outstanding amount, liquidated damages and interest will also be incurred.

The second stage

This refers to the second month after the overdue period. That is to say, if two installments of bills have been issued after the overdue period and the payment has not been repaid, the bank will officially start Collection, you will receive a call from the collection staff. The amount of debt to be repaid at this stage is the compound interest generated by the overdue principal liquidated damages.

The third stage

This stage refers to the overdue bill that has been issued for 3 installments and has not yet been repaid. The bank will increase its collection efforts. Not only will it collect collection from you, but it may also Call your emergency contact and ask them to remind you to repay the loan. In addition to facing pressure from the bank, you will also have to face the colored eyes of your relatives and friends.

The fourth stage

It means that you have been overdue for 3 months and the bank has made two effective collections on you, such as phone calls and SMS collections, but you have not repaid, then the bank will Personnel may come to your home to collect the debt and interview you at your workplace or place of residence. If they cannot contact you, the bank will go to your place of residence and find relatives and friends to inform you, indirectly putting pressure on you.

The fifth stage

If the above collection methods fail to collect, the bank will report the case to the police station, or directly to the overdue cardholder. The public security agency will investigate after filing the case. If evidence is collected and it is found that you committed a credit card crime by overdrafting maliciously, then you will be held criminally responsible, and you may be arrested and punished, and you may even need to repay the money after the punishment.

What is the credit card debt collection process?

Basic steps for credit card debt collection: 1. When facing a collection case, the collection personnel must first sort out the classification by themselves and be familiar with the overall situation of the case and the basic information of the debtor. , be aware of it. 2. When collection begins, the general order of calls is from the work phone to the home phone and finally to the personal mobile phone; when these cannot be contacted, the caller will turn to the contact person (or relative/unit) to confirm the situation and inform the debtor through the contact person to repay the debt. . 3. If the debtor cannot be found through the above methods, search the website (or 114) through the information in the case database or check via mobile phone or landline. 4. When the debtor cannot be found through the above methods, the company will send external visitors to the door to bring back the required materials to facilitate collection; in addition, external visitors play a great role in the collection process. It can be said that the success or failure of collection depends on external visits. 5. After learning the debtor's information, we sent a collection letter and a lawyer's letter to his home and work unit, and informed him of the debt. 6. During the collection process, field staff will be responsible for delivering letters, visiting door-to-door collections, and confirming the debtor's information on the spot, mainly to put pressure on the debtor. Article 680 of the Civil Code prohibits lending at high interest rates, and the interest rate for borrowing must not violate relevant state regulations. If the loan contract does not stipulate the payment of interest, it will be deemed that there is no interest.

If the loan contract does not clearly stipulate interest payment, and the parties are unable to reach a supplementary agreement, the interest will be determined based on factors such as local or party transaction methods, transaction habits, market interest rates, etc. Borrowing between natural persons will be deemed to have no interest. Legal basis: "General Principles of the People's Republic of China and Civil Law" Debt is a specific relationship of rights and obligations arising between the parties in accordance with the provisions of the contract or in accordance with the provisions of the law. The person who has the rights is the creditor, and the person who has the obligation is the debtor. The creditor has the right to require the debtor to perform its obligations in accordance with the provisions of the contract or in accordance with the provisions of the law.

What are the collection methods for credit cards?

After nearly 20 years of development, credit cards have developed very rapidly and have formed a huge industrial chain. All commercial banks are Find ways to compete for the market! As long as any financial institution has a loan business, it will have post-loan management, that is, collection work. So what are the collection methods for credit cards?

1. Find new contact information for the debtor. It is nothing more than China Mobile, China Unicom, and China Telecom, three communication companies. Because the mobile phone numbers are all real-name, after the collection company obtains the new contact information of the debtor through certain relationships, it will threaten it. It is obvious that it is illegal. The country is paying more and more attention to the protection of personal information privacy! Therefore, they claimed that the information was provided by the public security agency or the investigation department. It’s really nonsense! Ridiculous! This is just the rhetoric of collection companies!

2. The residential address of the debtor. It was obviously not the billing address or the ID card address, but it was inexplicable that I received a lawyer's letter. At this time, the collection company still said that it was found by the public security agency or the investigation department, which also made the debtor sweat! In fact, the broadband address, water, electricity, and gas addresses of the debtor were used, which exposed the location, that's all!

3. Use relationship with collection companies. Get the identity information of other relatives in the debtor's household registration book, use the first two methods to get some clues, and threaten him to make him repay! In the same way, it is also illegal. Resident information is protected by law!

4. Start from the company channel. If you find the social security relationship through the debtor or his family, you can find out which company you currently work for, and then go to the company to collect the money and create an impact!

This concludes the introduction to the collection methods for credit cards.

What is the credit card collection process?

For the credit card collection process, please see the following five steps:

1. When the cardholder has just overdue, the user will send a text message to remind the repayment;

2. When the cardholder is overdue for a long time, the user customer service will call to collect;

3. Entrust a lawyer to send you a lawyer's letter;

4. When the cardholder is overdue for more than 3 Months later, the bank will entrust a third-party collection company to collect the debt;

5. When the collection company cannot collect the debt, the bank will sue you, and you will have to go to court.

Extended information

If we fail to repay the credit card debt we owe to the bank, we will be charged by the bank at this time. The judicial collection process of credit cards is that if the amount is more than 10,000 yuan and has not been returned after two collections, the credit card will be frozen at this time, and judicial means will be used to deter the debtor from forcing collection through the legal department.

The bank regularly sends collection letters every month to remind customers to pay overdue debts in a timely manner, which serves as a warning and reminder to overdue users. Letter collection can use different collection methods according to the user's current late payment status, warning customers that failure to repay in time will bear corresponding legal consequences.

(1) Letter content:

The credit card collection letter should contain the following basic information, cardholder information and balance of debt, reason for collection, relevant rights and obligations of the cardholder, inquiry Account status, repayment status, ways to raise objections and provide relevant evidence, bank contact information, etc.

(2) Collection letters should be sent by registered mail, and the shipping address should be the credit card billing address. SMS reminders and letter collection are the most commonly used collection methods in credit card debt collection, and the collection effect is best among low-risk user groups.

Telephone collection

1) The appropriate order of selection of contact numbers for telephone collection is: mobile phone, work phone, home phone, immediate family phone, and contact phone.

2) In specific work, the time the collection staff allows the cardholder to make a repayment commitment decreases as the number of collections increases.

3) When the call is answered but the cardholder is not present, the collection staff should leave a message to inform the cardholder to contact the bank promptly.

That’s it for the introduction of credit card collection.