Yes, asset preservation officers are generally known as debt collectors. It mainly carries out account reminders for customers who are overdue for more than 3 months. There are reminder quotas every month. Collections are mainly carried out over the phone, and customers over 6 months old will be collected at doorsteps. Customers who are six months overdue are more difficult to deal with, and it will be more difficult to visit them. It is relatively easy to achieve the purpose of repayment by collecting debts for customers who have been customers for 3 months. But the job of this asset preservation officer is not a bank staff, it is an external staff, and the contract is signed with the dispatch company. Please consider this carefully.

1. What are the consequences of overdue credit cards?

1. Serious overdue credit will affect personal credit

Now that the country is gradually integrating personal credit reporting into market-oriented operations, people with bad personal credit may find it difficult to move forward in the future.

2. Get on the credit blacklist

It is understood that generally no more than three overdue credit card payments are made. You can apply for a credit card but the amount is very small. You can also get a loan, but the interest rate is very high. Those who have overdue repayments more than 6 times or who fail to repay once will be included in the blacklist of the People's Bank of China's personal credit system (nationally networked). If you are on the blacklist, you will not be able to apply for credit cards and loans.

3. Constituting a crime

The Criminal Law stipulates that malicious overdraft of more than 5,000 yuan on a credit card constitutes the crime of credit card fraud and may be sentenced to a fixed-term imprisonment of not more than 3 years; malicious overdraft of 50,000 yuan to 200,000 yuan If the amount is between 200,000 yuan and 200,000 yuan, it is considered a huge amount and may be sentenced to 5 to 10 years in prison; if the amount is more than 200,000 yuan, the amount is extremely huge and the sentence is more than 10 years.

2. What is the role of credit card bank collection?

The credit card is overdue for more than three months. Although the amount does not exceed 50,000 yuan, the bank may enter the prosecution process to pursue your civil liability. The bank also has the right to apply to the court for property preservation before filing a lawsuit. , if you have a house or car in your name, it will be frozen.

Banks take effective measures to reduce the stock of non-performing credit assets, avoid or reduce the generation of non-performing credit assets, and maintain the integrity of commercial bank assets. In addition to the write-off of bad debts, all aspects of the operation, revitalization, recovery, and realization of non-performing assets, investment and lending, etc., belong to asset preservation. Contacting the disposal party through the Debt Manager and the Internet is conducive to the revitalization of assets.