Does Bank of Communications' credit card collection service work on Saturdays and Sundays?

Except for the customer service department, which operates 24 hours a day, other departments in the bank work from Monday to Friday, with Saturdays and Sundays off.

Therefore, the bank’s telephone collection department is also closed on weekends.

For other financial institutions, the actual operating hours of each institution are different.

Who knows what the process is for a Bank of Communications credit card that is in arrears for three months? Be familiar with Bank of Communications' collection procedures. .

Credit Card Debt Procedures:

1. First of all, if you still do not repay the debt after multiple reminders from the bank, the bank will file a civil lawsuit against you; after receiving the lawsuit request from the bank Afterwards, we will take the initiative to investigate the truth. Once it is confirmed that you have indeed long-term debt repayment, we will ask the bank for your personal information;

2. The bank will compile the litigation materials and submit them for approval; after receiving the litigation materials , will generally be reviewed and approved within 7 days to decide whether to accept the case;

3. If you still do not return it after the civil ruling, you will have committed a credit card crime and should bear criminal responsibility; in the relevant After the department files a case for investigation, the bank will entrust the local People's Procuratorate to file a public prosecution in about four months.

Extended information:

Credit card collection is divided into two types: in-house collection and outsourcing collection. Internal collection usually refers to customers who are overdue for more than three months and are generally reminded by bank customer service (M0 period) or call the reminder department (during M1 and 2 periods) or visit the office of each business outlet (during M3 period) to make overdue payment reminders!

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 of money to a company specializing in the collection industry (some are legal affairs) after internal collection has failed. ) to make a call.

1.M0 period: 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. Banks generally do not collect debts during this period, and will only remind you that the repayment period has exceeded through SMS platforms or phone calls!

2.M1 period: It is the continuation of the M0 period, that is, it will arrive on the second bill day of unpaid debts. Between the last payment date of the second bill, the credit record will be uploaded to the People's Bank of China's credit reporting system, which is very likely to affect issues such as home purchase loans or credit loans, and 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 compounded on the current arrears! During this period, banks will generally issue reminder collections to customers with larger amounts, that is, the collection staff from the collection department of the credit card center will call to remind them to repay! Some banks do not collect debts during this period in order to earn more late fees and interest.

3.M2 period: It is the continuation of M1, that is, between the third bill date of non-repayment and the last payment date of the third bill, the credit record has a greater impact. In the bank There will be stains on your credit record, which will have a great impact on future loans and finding a job in a larger company. Late fees will apply.

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. Relevant collectors will call to inform them of the impact on credit records and the consequences of non-repayment. During this period, banks will contact relatives and friends of the debtor to help remind the debtor. Repayment. Some banks are tough on debt collection, and may even have collectors disguise themselves as lawyers to put pressure on debtors. However, some banks are light on debt collection and only carry out reminder collection during this period!