How to solve the problem of non-stop credit card collection calls
The solutions are as follows:
1. Communicate proactively
When the borrower receives When calling for debt collection, be sure not to avoid it blindly, as this will only lead to more and more debt collection calls. What collection requires is the borrower's repayment attitude and willingness to repay. The borrower can choose to proactively contact the collection staff, indicate his current situation, and then inform the collection staff of his current income.
It is best to make a more detailed repayment plan and negotiate with the collection staff. After all, the original intention of the collection officers is to recover the debt. As long as the borrower has a good repayment attitude, the collection officers will not make it more difficult.
2. Being harassed
If the borrower really does not want to be harassed by debt collectors, he or she can ask the lending institution itself. When the borrower is arrested, the borrower will be organized to negotiate with the lending institution, and they can also talk about applying for an extension or reducing interest. And after being borrowed, corresponding adjustment measures will be made based on the borrower's economic situation.
3. Collection personnel
If the collection personnel keeps calling the borrower's phone number, or even frequently contacts the borrower's family, friends or work unit, it is tantamount to "soft violence collection". Soft-violent collection has been criminalized. Borrowers can choose methods such as recording and screenshots of text messages. After collecting relevant evidence, they can go directly to the collection personnel.
Main features of credit card:
1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;
2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;
3. Credit cards are high-tech products that integrate financial services and computer technology.
4. Credit cards can reduce the use of cash;
5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;
6. Credit cards It can simplify the collection procedures and save social labor;
7. Credit cards can promote product sales and meet social needs.
Main types
According to different card issuers, they can be divided into bank cards and non-bank cards
Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.
Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.
According to the different objects of card issuance, it can be divided into corporate cards and personal cards
Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.
Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.
According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards
Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.
Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.
How to deal with door-to-door collection of credit cards
After the credit card is overdue, it is legal and compliant for the bank to conduct door-to-door visits. Debtors need to pay attention and try to cooperate with the bank's work, but they don't need to be too nervous, let alone avoid or ignore it.
The procedures for external bank visits have detailed regulations. If it exceeds the scope of these regulations, it will be a violation. Understanding the bank's procedures can also help debtors deal with their debts.
1. Departure: Collection personnel will not come to the door alone. Each visit is usually attended by two outside visitors, carrying the debtor's credit card debt collection materials, letters of introduction, recording pens, cameras and other equipment.
2. Notification: The bank will call the cardholder to explain the visit time. The person in charge will record the arrival time and notify the foreign visitor of the exact location and visit time at any time.
3. Taking photos and recording: The foreign interviewer takes photos and records of the environment around the target address, and records the entire process.
4. Visit: If the cardholder is found during the visit, the foreign visitor will immediately identify himself and indicate his intention, check the customer's mobile phone, home phone number, contact address and other information, and ask the customer to sign for payment. Notice or lawyer's letter, etc. If the debtor is not present and relatives or family members are present, the interviewer will inquire in detail about the relationship between the debtor and the debtor to understand the financial situation and current situation of the debtor, ask the related person to convey the repayment information and ask the related person to make repayment as appropriate. Ask the relevant person to sign a reminder notice or lawyer's letter on their behalf.
If no one is at home, the interviewer will first call the cardholder’s residential phone number, listen to see if there is a phone call at the door, and then call the debtor’s mobile phone to check the residential address. At the same time, experienced foreign interviewers will conduct interviews and surveys around the debtor's residence, looking for the cardholder's neighbors, property owners, neighborhood committees, village committees, police officers, security guards, etc. to collect relevant information about the cardholder. If the cardholder has a fixed private mailbox, the foreign interviewer will put the legal notice into an envelope, mark "Do not open and read unless you are the person" and put it into the borrower's mailbox.
How to deal with credit card collections? How to deal with violent collections
We all know that overdue credit cards will be collected by banks, and banks adopt different collection methods based on your overdue time. The more serious one is door-to-door collection, especially when the bank outsources collection. It's more troublesome to give it to a third-party company, because you may encounter violent debt collection, but don't be afraid if you encounter this situation. Here are a few ways to deal with it.
How to deal with credit card collections?
This first depends on what kind of collection method you encounter. If it is text message collection or phone collection, then it is easy to handle. There is only one thing you have to do, don’t avoid collection, answer the phone when you have it. When you answer the phone, talk nicely to the debt collector and say you will pay it back.
As for door-to-door collection, it depends on whether it affects your normal work and life. If the bank collection department comes to your door, this is generally very civilized. After all, violent collection is prohibited. If you encounter In this case, you should try to talk to the collector in a nice manner and express your willingness to repay, but do not hand over the money to the collector. This is a taboo.
If a third party comes to collect debt, it is likely to be violent, but you must remember that no matter how bad the other party's attitude is, you should not confront them head-on. This will not be good for you. What you have to do is talk to the other party well, discuss it well if you can, and record it as well.
But if the other party beats or insults you, you don’t have to fight back or talk back, but you should hesitate immediately and call the police directly by dialing 110. After all, owing money does not mean that they can do whatever they want to you. You must take up legal weapons to protect your rights and interests.
If the police are called, you only need to emphasize to the police some of the illegal behaviors of the debt collector, such as beatings, insults, etc., and use the recording as evidence. As for the relationship between you and the other party, What's the relationship? It's best not to mention this, because the police don't care about this.
The above is the relevant introduction on "How to Deal with Credit Card Collection", I hope it will be helpful to everyone.
All in all, it is inevitable to be charged for overdue credit cards. If you don’t want to be charged, it is best to pay off the debt as soon as possible after the overdue date, so as to eliminate the source of debt collection.
This concludes the introduction on how to deal with credit card collection and how to deal with credit card collectors. Have you found the information you need?