After facing the competitive pressure of Internet finance, my country's bank credit card business began to vigorously release water. Although the credit card business is growing rapidly, the balance and proportion of non-performing loans are also getting larger and larger. As of 2018, At the end of the second quarter, the amount of credit card business in my country that was overdue for more than half a year exceeded 75.667 billion yuan. Facing the increasing amount, banks lacked their own manpower, so the proportion of debt collection entrusted to third-party companies is also increasing.

However, although banks generally require no violent collection before entrustment, in reality, in order to collect money quickly (the income of the third party is linked to the amount of the money collected, and is accrued in proportion), They usually resort to verbal abuse, insults, threats, exposure of address books, or even harassment at the home of the debtor or trouble at the work unit of the debtor. For this kind of behavior, users can directly call the police or complain to the local Banking and Insurance Regulatory Bureau. Because the credit card is overdue, although the bank (or its entrusted agency) has the right to collect, the collection must be within the scope of laws and regulations. .

"Measures for the Supervision and Administration of the Credit Card Business of Commercial Banks"

In accordance with Order No. 2 "Measures for the Supervision and Administration of the Credit Card Business of Commercial Banks" issued by the China Banking Regulatory Commission in 2011, the 68th Article 1 stipulates that the card-issuing bank shall collect debts from the debtor himself and his guarantor, shall not collect debts from third parties unrelated to the debt, and shall not use violence, coercion, intimidation, or abuse and other inappropriate collection behaviors. The collection process should be recorded, and the recording materials should be kept for at least 2 years for future reference.

The "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" are guidelines that all banks must abide by. If a commercial bank or its entrusted institution has any of the above-mentioned violations, users can directly complain to the China Banking Regulatory Commission. If the debtor causes personal injury, he can also report the case to the public security agency for disposal.

In fact, most collection agencies also know that their actions are illegal, but because many people are not aware of these regulations, they often compromise under the threat of violence from the collection agencies, especially when it comes to When it comes to family members or threatening to go to work to cause trouble. In the face of violent debt collection, we must not back down. In fact, debt collection agencies themselves are also very weak. They are typical paper tigers who bully the weak and fear the strong. The more you compromise, the more they push forward. The tougher you are, the more they retreat.

Of course, no matter what, it is always a bad behavior to be overdue, and we are also the ones who are at fault, so it is better to pay back the debt as soon as possible when we are able. As for door-to-door collection, it is enough to receive them well. Banks do not dare to do anything inappropriate for outsourced collection. If you report the collection, the bank will cancel the cooperation with the outsourcing company because there are assessment indicators.