2. Bank dunning process:
(1) Generally, as long as there is overdue, the bank will inform you by SMS in about two weeks.
(2) There are many overdue behaviors, and the overdue period is more than one month, then the bank will communicate with you by phone. First, the customer's notice, and then the notice of the professional telephone collection staff. If the bank can't contact you for more than a month, it will contact your relatives and friends directly and tell you to pay back the money through them.
(3) If neither phone call nor text message can solve the repayment problem, the bank will hire a lawyer and send you a lawyer's official letter as the final notice.
(4) If the above three methods are not solved, if the time has reached three months or even six months, the bank will entrust your case to the outsourced dunning company, give them some money, and then the dunning company will come to you. If you can't find yourself, start with your parents or work unit, threaten you and other informal means.
(5) If the dunning is not returned after repeated communication, the bank has the right to sue, and it is more than three months, but the prosecution is also limited. If your amount reaches more than 10,000, you have personal assets in your name, but you are unwilling to repay, or you commit fraud such as making false information to cash in your card, the bank will judge you (misappropriating property) or (fraud/false credit qualification/malicious cash out) according to the above situation.
(6) If the bank can't contact you for a long time, don't take any chances. Because as long as you owe money, even if it is only a few thousand dollars, your debt-dragging behavior will put you on the blacklist of banks. Your debt won't disappear because of your disappearance, but the interest will be bigger and bigger, and the black account of credit will accompany you for life.
3. When you have credit card debt, you must pay it back in time, not that the bank will sue you to repay it. If you really can't pay back the money, you can communicate with the bank and pay it back bit by bit every month to avoid bad records affecting your lifelong credit.
Extended data:
Consequences of overdue credit card:
1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.
2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.
3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.
4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.
Baidu Encyclopedia: Credit Card