1. Will the address book be exploded if the credit card is overdue?

Although it is a legal society, credit card collectors are also a mixed bag, so after the credit card is overdue, it will There is a possibility that the address book may be compromised.

You must know that there are two types of credit card collections. The first is internal collections within the bank. The internal collection method will be more civilized, and they may just notify you of repayment by phone or text message. At this stage, just pay back the tens of millions and stop there. Your address book will not be exploded.

The second type is third-party collection. If the bank's collection fails, your debt will be handed over to a third-party company for collection. Their collection methods are not that polite. Whether it is door-to-door collection, harassing phone calls, or having your address book exposed, it is possible.

2. Can I file a complaint if my credit card has an overdue contact list?

Strictly speaking, the contact list explosion is a violent collection, so it is possible to complain if the credit card has an overdue contact list. However, many users There may be no results after complaining. It may be that your complaint method is incorrect.

In this case, you cannot go to the bank to complain. The bank will definitely not take care of it. You can call the credit card head office or the Banking Regulatory Commission to explain clearly the cause and effect of the matter. The most important thing is to provide evidence. If you just say something without any evidence, the other party may sue you for making a malicious complaint. Therefore, when encountering violent debt collection, you should record a video or audio recording to retain the evidence.

3. Is it true that you will be sued for overdue collection of credit cards?

If you receive a collection call from a third-party debt collector, and the other party tells you that they will sue you if you don’t pay back the money. , this situation is likely to be false, because the third party has no right to sue you. However, in order to find out the authenticity of the matter, you can call the bank customer service personnel for screening.

If you receive a collection call from the bank or a collection text message, which is a lawyer’s letter from the bank, then you should sound the alarm to yourself. When your overdue amount is relatively high and the overdue time reaches more than three months, in this case, the bank has the right to sue you. At this time, you should contact the bank to repay the loan in time.

In special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions and help you solve your repayment problems so that you can return to your normal life.