If a bank calls you for a collection, it will prove that the loan you owe is overdue. If you don't repay it for a long time, the bank will call you to urge you to repay it in time. If you still don't repay the loan, the loan platform may call your parents or your relatives and friends for a collection. But be sure to confirm whether the other party is really a bank employee calling you. If you don't owe money yourself, you need to pay attention to it when you receive a collection call.
simply sort out the telephone numbers of several banks
all local telephone numbers are the final standard
1. Shanghai Pudong Development Bank starts with 21-38 or 2
2. Bank of Communications starts with 21-5
3. Ping An Bank starts with 755
The process of answering the phone
1. After the phone is connected, Then tell the other party the specific time at present, for example, what day is it in the morning or afternoon of 221?
2. ask the other party: which bank is your collection company? Or directly ask which bank is the collection?
3. Next, ask: Can your next communication with me represent your banking platform? This should also be confirmed, and then confirm the work number and name of the other party, so that you can check the number of people in the future if there is a problem!
collection
credit card collection can be divided into two types: internal collection and outsourcing collection. Internal collection usually means that customers who are overdue for less than three months are generally reminded by bank customer service (M period), urged by electricity (M1, 2 period) or visited by various business outlets (M3 period). Subcontracting collection mainly means that the credit card center entrusts some companies (some of them are law firms) specializing in collection industry to make reminders for some customers who are difficult to handle, have problems, lose contact or have a small amount of money after internal collection fails.
late payment fee for credit card
late payment fee for credit card means that the cardholder has to pay late payment fee for the unpaid part of the minimum repayment amount when the actual repayment amount on the due repayment date of the credit card is lower than the minimum repayment amount. It is understood that the proportion of late payment fees is uniformly stipulated by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment amount. However, due to the different policies of banks, the minimum amount set is not the same.