If you don't pay back the money, the bank's handling attitude and method will make corresponding handling plans according to the amount you owe and your handling attitude.
Generally speaking, banks mainly deal with these four ways:
Step 1: bank SMS reminder
The bank will send you a message to remind you that it is time to repay, what is the repayment amount, what is the minimum repayment amount and so on.
Generally, bank credit cards have a grace period, mostly three days, which means that as long as you pay off within the grace period, you can't apply for credit.
However, there are also a few banks that are abnormal, and the reporting of credit information 1 day is overdue. At present, there is no uniformity among banks, so you must ask your bank for the specific time.
In the above situation, before the deadline, the frequency of sending messages to remind banks is not too high.
If it is officially overdue, the frequency of this message will increase and the tone will not be very mild. Remind you what kind of responsibilities and consequences you will bear if you don't repay on time.
Step 2: telephone tracing
If the debtor still doesn't pay after SMS reminder, usually one month, the bank's customer service will start calling you.
Customer service will tell you how much money you owe and when to pay it back. If you still ignore it at this time, they will increase the frequency of calling, their tone will no longer be gentle, and they will start to be stiff and cold.
In the meantime, even if you can contact yourself, some banks will call your contact person, that is, the emergency contact person you filled in when you apply for a card, to verify your existence and ask about your financial situation.
For this problem, banks are different. Some banks do, and some don't. Of course, to be clear, if you can't contact the debtor himself, this bank will definitely call your contact person.
Step 3: outsource the collection company
This is the beginning of the debtor's nightmare. If you haven't experienced it, I dare say it will definitely make you lose your skin.
Even so, I still want to popularize science. It is legal for a bank to entrust a law firm or a third-party asset management company (commonly known as a collection agency) to demand payment from the debtor.
After the bank packages the arrears to the collection company, the collection company is not a bank for dunning, but also to take care of the brand image easily. In the view of collection agencies, it is to achieve the goal and earn commissions.
So at this time, they will try their best to contact you and everyone around you. The phone number you left when you applied for the card must be a phone number. At the same time, they will also inquire through some channels and call "greetings".
Although banks have strict compliance requirements when entrusting three-party companies to collect money. However, in practice, because of the interests, all collection companies will inevitably cross the border. For example, banks require no more than three stores a day, but some collectors can beat you dozens a day.
Although there is no violent collection now, at least the collection company will definitely not dare to do so.
But the other party always calls you, and then calls your relatives and friends every so often, and always gives you strong pressure on the phone to scare you and make you pay back the money quickly, which is really unbearable for the average person.
The fourth step is to sue.
Once a lawsuit is filed, it is basically in court. Fans and friends often ask when the bank will sue and whether there is a "standard law". I'm telling you, it's really not.
So, sometimes you will find strange phenomena. Someone owed 30 thousand to 50 thousand and was formally charged And some people owe more than 200 thousand and have not been charged.
However, there is one piece of data that must be shared. In other words, the number of cases prosecuted is increasing. In the past, there were really not many prosecutions for credit card arrears, but now this trend is increasing linearly.
Generally speaking, the larger the amount, the higher the probability of being sued.
When a bank goes to court, it will generally write all the terms favorable to the bank into the complaint. For interest, they generally control the overall interest rate within 24%. At the same time, some banks will ask for additional fees such as attorney's fees and legal fees.
When suing, the bank still depends on your debt and attitude.
If you owe more than 50,000 yuan in principal, and have no repayment intention and record, refusing to cooperate with the bank may be characterized as credit card fraud. If it is characterized as credit card fraud, it involves criminal responsibility, that is, it will be sentenced.
This qualitative criminal has many elements and is very complicated. This article is not detailed. I'll make up a special issue when I have time.
In most cases, if the amount is not large, it is at most private lending. According to the judgment of the court, you can appeal if you refuse to accept the judgment, but the period is long, so be prepared psychologically.
Therefore, Chao Ge suggested that we should not take credit cards lightly. Now, credit records are networked. Once blacklisted, you can't deal with banks for at least five years, and you can't apply for mortgages and car loans.
In addition, if it is not returned after the judgment, it will be even more troublesome.
The future will not only affect your travel, high-speed trains and planes can't ride, even if you go out to stay in a hotel, it will also affect your employment, and some units will directly discourage you.
It will even seriously affect children's education and employment. For example, it has been reported before that some people owe money and still don't pay it back after being sued. He was on the list of untrustworthy people, and his child was refused admission to the university. Therefore, this matter must be cautious.