Credit card overdue bank collection method is open
There are five main ways for banks to accept credit cards:
First, short message collection. Mainly for the cardholder's early and overdue repayment behavior, usually 7 to 15 days overdue. SMS mainly plays the role of reminder.
Second, telephone collection. Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle.
Third, door-to-door collection. Mainly overdue for more than 90 days, the bank will arrange the collection staff to collect the repayment at the cardholder's residence or work address.
Fourth,. Mainly overdue for more than half a year, the bank will apply to the cardholder for repayment.
Fifth, outsourcing collection. Mainly for overdue 1 year or more, the bank packages and discounts overdue funds to the outsourcing collection company, which is responsible for overdue debt collection.
It should be noted that the preferential recovery activities of banks are generally aimed at penalty interest, and the principal is generally not enjoyed. For example, the method of encouraging repayment by discounting adopted by Minsheng Bank last year is also a disguised collection strategy, mainly targeting cardholders whose overdue penalty interest exceeds 1 year. Banks will reduce the penalty interest to a certain extent to encourage cardholders to repay as soon as possible and ensure the safety of the bank's principal. Short-term overdue cardholders generally cannot enjoy this policy.
There are various collection methods, from initial customer service to resorting to law and outsourcing collection, and the intensity is gradually increasing.
Consequences of late payment
1, a lot of money has been paid back, plus the interest that has rolled into a mountain. Either way, the result is basically that the card friend repays honestly. At that time, it will not only be overdrawn. Plus five ten thousandths of the daily interest, maybe the final interest will be several times the principal.
2. Credit stain. Overdue will exist in the personal credit information system for 5 years, and will continue to affect the cardholder's life such as loan, house purchase and car purchase.
3. Fame and family. If it is recovered by the debt collection company, not only E69D5E87AA7A686964616F313336366236 will be discredited, but it may also bring trouble to the family.
Second, how to collect overdue loans
Overdue means that the borrower fails to repay the loan principal and interest on time as agreed in the original loan contract, or there are signs that the borrower cannot repay the loan principal and interest on time as agreed in the original loan agreement, and will bear the corresponding responsibility for overdue performance.
Lending is the beginning of our work, and successfully recovering the loan principal and interest is the ultimate goal of our work. Risk control is an important link in the whole process of loan, which not only ensures the safety of loan, but also better maintains the credit of customers and further promotes the increase of loan amount.
Reasons for overdue
(A) the customer's reasons
After the customer has paid the loan, he will start to repay the principal and interest in equal amount every month. In this process, overdue often occurs, mainly for the following reasons:
1. Customers don't pay much attention to their credit.
2. The first loan customer was dragged down by receivables, and the repayment date of Zhongan payroll loan customer was different from the payday. 3. The customer is on a business trip in other provinces, and the balance of the entrusted transfer account is insufficient, which leads to the failure of financial deduction.
(B) the salesman's own reasons
After completing the whole loan process, the salesman often thinks that the business has been completed, and the lax thinking leads to some mistakes in the collection work, ignoring the detailed work, which leads to the borrower's overdue. The specific work mainly includes the following points:
1. Whether the borrower has been notified before the due repayment date. 2. Whether the notification is accurate and clear.
3. Whether to carefully track the financial deduction and make a second notice.
4. Whether to make customers pay attention to the importance of personal credit, and reverse the concept that customers delay and rely on repayment.
Basic flow of overdue control work
Reasonable and standardized workflow can make our work get twice the result with half the effort, and overdue control emphasizes the importance of the process. We initially divide overdue control into three time periods, and each time period is closely related. The work of the previous period has not been implemented, which will seriously affect the work behind.
(1) repayment notice
Repayment notice is the basic premise of overdue control, which is mainly to inform customers in advance by telephone to ensure that the entrusted transfer account has enough balance, so that we can successfully deduct money through the financial link.
It is more important to choose communication time when notifying customers of repayment. It is best to choose the afternoon after lunch break. Sometimes customers can't be contacted in the morning, but the specific situation is different and can be treated differently.
Specific operation:
1. Business personnel notify repayment:
(1) Inform the customer one day before the repayment date and inform the specific amount.
(2) Determine the repayment method.
(3) Whether there is money in the account and whether it is sufficient.
(4) Determine the repayment time.
2. Matters needing attention in the notification process:
(1) If the phone number has changed, ask the new contact information through the contact person.
(2) The mobile phone is turned off or no one answers, and SMS is notified.
(3) If the customer requests to change the debit account number, he/she needs to fill in a new debit power of attorney at home.
(2) Payment tracking
Payment tracking is mainly a test to inform customers of repayment, and it is a powerful measure to judge whether customers have cheating, procrastination, shirking, evasion and other ideas.
We can choose the last two days of the customer's repayment period to track the customer's repayment:
1. Check the financial deduction.
2. Get communication and take corresponding strategies as appropriate.
3. Advise customers to return cash and maintain the repayment records of customers. 4. Eliminate customer procrastination and take corresponding collection measures. (3) Overdue collection
When the customer exceeds the repayment date agreed in the contract, it will appear on the overdue statement in the future. The collection work in this period is very important. Through the rational use of various collection techniques, we should effectively collect different overdue customers and dispel the idea of delaying, delaying, shirking and concealing overdue customers. Guide customers to repay on schedule. Common overdue collection will be introduced in detail in the following collection skills.
Basic methods of overdue control
In the control of overdue, we must first control in strict accordance with the original process. Of course, the technology can be continuously improved with the continuous increase of our inventory. At this stage, it is still necessary to strictly control the overdue control work according to the above-mentioned basic processes, and truly implement the work in every detail of every time period and every stage.
(A) pre-lending control
Mainly through our long-term post-loan collection process, aiming at common cases, we summarized and sorted out some better suggestions and fed them back to audit posts and business posts to minimize risks.
Key points of pre-lending control:
1. Expand business volume under the premise of risk control.
2. Understand the characteristics of expired industries.
3. Understanding of regional features that are easy to be overdue.
4. Understanding of behavioral characteristics when applying for loans.
Don't let your guard down on old customers.
6. Risk control gambling, gambling and other bad hobbies.
(b) Post-lending control
Post-loan control mainly starts from two aspects: one is to increase the intensity of informing customers of repayment in advance, the other is to improve the skills of overdue collection, and then comprehensively control overdue.
Key points of post-loan control:
1. Visit customers after loan.
2. Do a good job in updating and registering customer information.
3. Do a good job of customer repayment notice.
4. Do a good job in overdue collection of problem customers.
Collection skills
In the process of overdue collection, we must first make clear our position and achieve our goal through communication. For different customers and different overdue situations, we should adopt different attitudes and methods.
(1) overdue collection reserve
1. Improve one's sense of responsibility: The so-called sense of responsibility is an individual's understanding and belief that he is responsible for the company, and the corresponding conscious attitude of abiding by norms, taking responsibility and fulfilling obligations, which is a catalyst for capacity development. We should have a sense of responsibility to successfully recover the principal and interest of every loan we issue.
2. Improve your self-confidence: The self-confidence mentioned here is a psychological state of completely believing that you have the ability to recover all the principal and interest of the loan. In the process of collection, self-confidence is particularly important, which is related to our confidence in communicating with customers.
3. Expand your knowledge: Everyone's knowledge plays an important role in the whole overdue collection process. We should learn the products thoroughly, value the loan contract, improve our financial knowledge, legal knowledge and mathematical knowledge reserve, and improve our language communication ability, public relations ability and analytical ability.
4. Basic etiquette of collection: Continue to help customers solve problems, maintain a relationship of mutual trust and respect with customers, be strict with things, be friendly to people, minimize the friction with customers, avoid the consequences of recovering money but losing people's hearts, and try to recover loans through friendly negotiation.
(B) the basic skills of overdue collection
Collection skills play a leverage role in overdue collection. Reasonable use of various skills for different overdue customers will make our work handy and get twice the result with half the effort. Everyone has his own characteristics and skills, so we should constantly communicate with other colleagues, learn from each other and improve ourselves.
1, basic skills:
(1) Find out the intention of the other party: In communication with customers, we need to know whether the other party has procrastination through some questioning and answers from customers.
(2) Understand the strength of the other party: In communication with customers, understand the strength of customers through various judgments. Is the customer able to repay but unwilling or unwilling to repay? Different situations adopt different collection methods.
(3) Find the weakness of the other party: check the customer's file before collection, find out the weakness of the customer through contact with the customer, and then urge the customer to repay on time.
(4) Eliminate the illusion of the other party: Some customers have the illusion that they are lucky enough not to repay their loans. We should use the loan contract as the basis and legal means as a weapon to exert pressure and eliminate the illusion of the other party.
2. Four typical customer collection skills:
(1) Normal communication: show excellent service, clearly inform customers of the time and amount, and have a good attitude. It is necessary to establish long-term trust with customers through expiration tips to achieve the purpose of introducing new customers. In the attitude of solving problems for customers, the importance of timely repayment is emphasized.
(2) Lost contact: If you can't contact me through contact person, mobile phone address book, guarantor, etc. , require the guarantor to fulfill the obligation of guarantee and pay off the debts due.
(3) Customers who have the repayment ability but lack the willingness to repay: rational, emotional, based on the loan contract, using legal means as a weapon, exerting pressure with moral binding force, paying equal attention to reason and law, and gently and forcefully urging customers to repay.
(4) Customers who lack repayment ability but are willing to repay: In the attitude of solving problems, find out the reasons why customers can't repay on time, discuss solutions and find the repayment time agreed by both parties. Persuade people with reason, move people with emotion, take the loan contract as the basis, use legal means as a weapon, exert pressure with moral binding force, pay equal attention to reason and law, and combine hard and soft to urge customers to repay.
(3) Service quality of overdue collection
Overdue collection is not only to successfully recover our loan principal and interest, but more importantly, to publicize the importance of our company's publicity and reputation, express our willingness to serve, establish our brand and expand our influence.
Third, how to urge banks to collect money?
Bank loan collection procedures generally follow the following steps:
(1) Within 90 days after the overdue date, choose SMS, telephone or letter for collection.
(2) If the borrower fails to fulfill the repayment obligation for more than 90 days, it shall issue the Notice of Early Repayment to the borrower, and have the right to require the borrower to repay all the loans in advance and pay the penalty interest during the overdue period.
(3) If the repayment period specified in the prepayment notice expires and the repayment obligation is not fulfilled, an agreement is reached with the borrower on the disposal of the collateral.
④ loans overdue has been in for more than 65,438+080 days, bringing a lawsuit against the borrower who refuses to repay the loan and disposing of the collateral; The proceeds from the disposal of the mortgaged property shall be used to repay the loan interest, default interest and principal.
Four, how to do a good job of overdue loan collection.
If the debtor is overdue and negotiation is hopeless, collect and master the debtor's property clues as soon as possible, sort out the evidence of the loan relationship, and make preparations. Banks and small loan companies generally have a clear lending relationship, and it is very simple to get a successful judgment. The ordinary trial procedure takes six months to close the case, and the summary procedure can be applied to the first instance at the grassroots level, and the case is closed in three months. But the difficulty lies in the implementation of the program, whether there is property to be implemented, how much surplus value there is, and so on. But there is no doubt that litigation is the best way out. It takes a long time from filing a case to getting the execution money, so we should be prepared for long-term litigation.