Does the credit card dunning unit have a holiday on Saturday?

Not necessarily, it depends on what department! 1 overdue problems will be collected by the customer service department. The problem is not big. It's polite to talk to you. It doesn't matter whether you answer it or not. They usually don't call you on Saturday. The second phase is overdue and will be collected by the risk control department. Try to answer the phone. Of course, they are usually more polite. They may call you on Saturday or before 9 pm on Friday. If three issues are overdue, then the legal litigation department will find you. You should answer this phone anyway and explain the situation to them. Under normal circumstances, they won't be too difficult for you and may scare you. They will look for you at any time! If the repayment exceeds 3 installments, the card will be frozen if you don't pay it back, which limits when you can repay it in full. Of course, at this point, you will say goodbye to all banks, and future loans and credit cards will not be approved.

1. Is it legal for the dunning company to harass family members by phone?

If the other party keeps calling to harass your family, it is a violent reminder and you can call the police. However, if the other party only calls for collection, then you can also consider complaining to relevant departments, such as China Internet Finance Association and China Banking Regulatory Commission, which may be more appropriate than calling the police.

According to the provisions of Article 42 of the Law on Public Security Administration Punishment, he shall be detained for less than five days or fined less than five hundred yuan; If the circumstances are serious, they shall be detained for not less than five days but not more than ten days, and may also be fined not more than 500 yuan.

Second, what will happen to loans overdue?

1, penalty interest

When signing a loan contract, some regulations are generally made for loans overdue. If the loan contract is overdue, there will generally be a penalty interest. For different financial institutions, the amount of penalty interest and the interest generated are different. However, as an expense that should not be spent, it is better not to generate it.

2. Credit stain

Don't underestimate this. Once in loans overdue, the bank will report your overdue records to the central bank's credit information system. Once the record is generated, your personal credit report will be defiled. This little stain will form a great resistance to your future loan and credit card application. Borrowers can't lose big because of small.

3. Can't enjoy the preferential loan interest rate.

As we all know, when you apply for a loan from a bank, the loan interest rate fluctuates to varying degrees. High-quality customers usually get the lowest loan interest rate, while users with loans overdue records, even if they get a loan application, want to enjoy interest rate concessions, which is basically daydreaming.

4. Can't apply for a loan

If the situation is serious, the bank is likely to stop lending.

5. Affect your career.

For students who have been studying in loans overdue for more than 90 consecutive days and the circumstances are serious, the bank or school will publish the ID number and overdue information in the media, or notify the work unit. Banks will sue those who owe money maliciously or intentionally. If it is overdue for 90 days in a row and can be remedied in time and repaid on time, the credit level will not be greatly affected.

6. If the bank sends a lawyer's letter, it will be prosecuted by the court.

If you don't pay the bill for more than 3 months, it will be very serious! According to the loan contract and guarantee contract (pawn or pledge contract), the loan bank will make a statement to the court, and the court will take measures such as industrial preservation, including freezing deposits in all bank accounts of lenders and loan guarantors and sealing up pledged industries.

7. After the judgment is made, it will be enforced.

After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.