How to handle credit card collection calls?
First of all, you should know what not to say. The collection will be recorded, the purpose of which should be known to all, is to urge cardholders to pay off their credit card debts quickly. Some collection routines are deep, although they will not be directly collected by violence, but they will innuendo and use some stimulating words to anger cardholders and put pressure on them to repay.
Some people will say, if you don't repay, tell your parents to let them know that your child has the ability to spend, can't repay, has no face and so on. Some cardholders will think that they owe their credit cards and should not mention their parents. They will quarrel with the collection on the phone and say that they just won't return it. If you say so, it will be considered that you have no willingness to repay and owe money maliciously.
And these recordings are harmful to cardholders. Some cardholders may want to negotiate with the bank to pay back the money, but with these recordings, the bank will not negotiate; If the collection has been fruitless, the bank will directly file a lawsuit in court and provide a recording to prove that the cardholder has maliciously overdrawn. At that time, even if the cardholder is reasonable, it will become unreasonable.
Secondly, master the formal coping methods. No matter how angry the collection words are, cardholders should be calm and show their willingness to repay. Although he can't make a one-time repayment for the time being, he will make repayment every month, and then tell him the difficulty of collection and provide a repayment plan to testify.