It depends on the situation, but it will still have an impact.

Preliminary collection of Ping An Credit Card is okay. After 3 months, the collection will become more intense if you go to the local card center or a third-party collection company. There may be door-to-door visits or letters. After the due date, it is recommended to actively contact the bank. This is repayment. After all, Ping An's penalty and interest rates are relatively high among major banks.

Overdue credit cards will affect your personal credit report and generate interest, liquidated damages and penalties. If the overdue amount is large or has not been repaid for a long time, you may be sued and bear corresponding legal liabilities. During this period, you will also be subject to debt collection, which will affect your work and life. At the same time, your address book may be exposed and you may come to your door. If you do not repay your credit card on time, you will be contacted by phone after the repayment date. Tip you.

Credit card collection is divided into two types: in-bank collection and outsourcing collection.

Internal reminders usually refer to customers who are overdue within three months. They are usually reminded by the bank's customer service (M0 period) or contacted by the electronic reminder department (M1 and 2 periods) or visited by the offices of various business outlets (M3 period). ) to make overdue payment calls.

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 to a company specializing in the collection industry (some are legal affairs) after internal collection fails. ) to make reminders.

The M0 period

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 compound interest on the current debt amount! During this period, banks will generally remind customers with larger amounts to collect, that is, those with credit card centers The collectors in the collection department call to remind you of repayment! Some banks do not conduct collections during this period in order to earn more late fees and interest.

M2 period

It is a 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 compounded on the current arrears for the third time! During this period, banks generally use legal reminders for repayment, and there are relevant collectors. We will call to inform you of the impact on your credit record and the consequences of non-repayment. During this period, you will also contact the debtor's relatives and friends to help remind the debtor to repay. Some banks are tough on debt collection, and even have collectors disguise themselves as relevant lawyers to put pressure on debtors, but some banks are light on debt collection and only carry out reminder collection during this period!

M3 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, the credit record has a very large impact and will exist in the bank credit system. Larger stains 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 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, five times, the interest will be compounded on the current arrears! (The interest is already very high at this time) Internal collection will be stopped during this period, and the bank will classify the accounts: In the first case, if the amount is small, the bank will basically entrust it to a third-party collection agency, which is a company that specializes in collecting debts for financial institutions. Generally, most of these companies are law firms. , will come to your door, but in this case there will also be staff from the bank's branch center to collect the money, but most of them will conduct face-to-face repayments and contact the cardholder's place of residence for help, find their relatives and friends to inform them, and indirectly deal with overdue customers. pressure.

M4 period

Overdue accounts that exceed the M4 period are called M4. Most of the accounts in this situation are completely unable to contact the cardholder, or there are counterfeit cards or stolen cards. or the cardholder dies, or has the ability to repay but is unwilling to repay! Part of this stage is that the overdue amount is too small, but when the amount rolls over after a period of time, the bank will sue again: the other part is If the amount is suspected to be relatively large (generally refers to a principal amount of more than 10,000 yuan), and the attitude of non-repayment is made clear during the phone collection, the bank or the authorized client will compile relevant information and use it as evidence. According to the Criminal Law of our country, Article 196[1] The case will be handled according to the situation. In some cases, the case will be reported to the Economic Investigation Division of the public security organ and the court hearing will be announced to the media to warn other overdue customers who intentionally default!