You cannot ignore the collection call.

1. Whether you have a loan that has not been repaid or a friend whose loan is overdue, you may receive a collection call. You must take the initiative to answer the collection call and understand the specific situation. If the individual is unable to repay the loan, If you owe money, you need to explain the situation to the borrower and promise to repay it within a time limit.

2. Failure to answer bank collection calls for a long time will definitely have an adverse impact on cardholders. If you don’t want the bank’s collection calls to affect you, you definitely need a certain method. When a credit card is overdue, the bank will definitely take collection measures. If the overdue time is not long and does not exceed a certain time, the bank's collection measures will be relatively gentle. Basically, the cardholder will be notified through text messages, robot calls, or manual customer service calls. . But when the overdue period becomes long, for example, it has passed the next billing date, the bank's collection will begin to become fierce.

3. First of all, it must be the collection staff of the credit card center’s collection department who starts making calls. Of course, as a bank's collection staff, their quality is relatively high and they rarely use any extreme language. But sometimes a threatening and intimidating tone still exists. For example, the card may need to be reduced or even be sued in court. But these calls are generally fine. As long as the cardholder is sincere, they can get some tolerance from the collection staff. After the bank's own collection staff fails to collect the money, it will hand over the collection business to a third party. Collection calls from third-party companies are relatively fierce. There are threats, intimidation, and even phone bombings. This stage is actually the most uncomfortable stage for cardholders. In fact, whether it is a call from a bank collection officer or a third-party company, in principle the cardholder should answer the call. If you don't answer the call, it will easily be considered by the bank as a malicious attempt to avoid collection, and you may be suspected of credit card fraud. Therefore, answering collection calls has become a must.

Legal Basis

Article 175 of the "Criminal Law": For the purpose of making profits through on-lending, defrauding credit funds from financial institutions and on-lending them to others at high interest rates, and the amount of illegal gains is relatively large , shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also be fined not less than one time but not more than five times of the illegal income; if the amount is huge, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and shall be fined not less than one time but not more than five times of the illegal income. If a unit commits the crime in the preceding paragraph, the unit shall be fined, and the person directly in charge and other directly responsible persons shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention.