Generally, the basic salary is more than 1,000. The bank’s first reminder is to call the customer to make reminders. Some banks, such as Bank of Communications, have special collection departments in various cities to make reminders again, including telephone reminders and door-to-door reminders.

Then those who cannot be urged will be pushed to the outsourcing company. The outsourcing company will divide it into first reminder and second reminder, both of which are more difficult. The second reminder is for all kinds of people, and the first reminder is generally The amount owed is about 1%, and the second reminder is usually about 2%.

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1. When the credit card is overdue and a third-party collection agent calls my family, is this considered illegal collection?

The bank entrusts a third party to collect debt, which is permitted by the China Banking and Insurance Regulatory Commission. Banks will not do anything illegal, and there is currently no legal provision that banks cannot entrust debt collection to third parties.

In 2009, the China Banking Regulatory Commission issued the "Notice of the China Banking Regulatory Commission on Further Regulating the Credit Card Business." Article 13 of the notice clearly stipulated that banking financial institutions should prudently implement collection outsourcing.

To put it simply, collection is legal, but the collection agency needs to be formal and the behavior of the personnel needs to be compliant.

The following clauses also stipulate that if a bank wants to outsource, it must establish corresponding management, training, responsibility, behavior and other regulations. Therefore, it is not illegal or illegal for banks to outsource credit card collection services.

2. 4 tips for the opening statement of collection:

1. Pay attention to basic politeness when speaking

A person who speaks well and is popular can avoid unnecessary mistakes. Necessary quarrels are particularly helpful in resolving credit and debt issues and ensuring good interpersonal relationships between both parties.

The following eight points are necessary polite expressions for successful collection:

Honorary title. Address each other politely and respectfully as "Mr." and "Ms."

Greetings. A brief greeting leaves a good impression

Professional. It all depends on the first few sentences. Be polite and professional when speaking.

Say "please", "sorry", "excuse me" and "thank you very much" more often.

The tone is gentle.

Indicate your identity. Introduce your company and yourself within 5 seconds. If you are entrusted with collection, tell who you are entrusted with and the purpose of the entrustment, and then introduce yourself.

Keep calm. When you encounter a debtor using irrational words to stimulate you, you must control your emotions, don't get angry, and face it calmly.

Use words concisely and clearly.

Remember: Be clear, don’t be ambiguous. If you are ambiguous, you lack confidence in yourself and your work.

2. Make less accusations and leave more opportunities for the other party. Collection personnel should not use a preaching, accusatory, or authoritative tone to collect debts, but should create more opportunities for the other party to express, state, and explain.

3. Never disparage the debtor and promote yourself. When the debt collector talks about ways to clear the debt, avoid using the words "I am the collector, you are the debtor", "According to the law" Logically speaking, you should pay immediately, and avoid using a tone that is too direct, too hurtful, or too strong. Of course, you should also avoid expressions that are too harsh, unreasonable, and loud.

4. Carefully grasp the terms of payment, and adjust the other party's emotions. Before making payment, you must first carefully analyze what customers will say, do, and want when they are dissatisfied. Generally speaking, if your product or service is not good, They will complain if they are not satisfied, and then they will refuse to pay the bill. All they want is justice, and maybe they just want to hear an apology. Therefore, if we know the truth, if we do more, it will far exceed the customer's expectations. It is expected that they will settle the one-day debt, continue to patronize, and build a reputation for the company.