How to complain when you close the door?

We need to collect relevant evidence. We can call the credit card exclusive banking service hotline to make a complaint and provide the staff number of the staff who need to complain. We can also call the customer service hotline to safeguard personal rights and complain to the credit card collector. You can complain to the credit card collector of the branch or office where the local CBRC is located. About "how to complain about credit card home collection?" The following small series will answer in detail. If there are other problems, we have professional lawyers who can provide solutions. You can click the consultation button at the end of the article for consultation.

First, how to complain about credit card home collection

First, complain about the credit card collector. If we are improperly collected, we need to collect and master relevant evidence.

Second, we can make a complaint by calling the special banking hotline for credit cards, and provide the work number of the staff who need to complain.

Thirdly, you can also call the customer service hotline to protect your personal rights and complain about credit card collectors.

Fourth, you can complain about credit card collectors to the local branch or office where the CBRC is located.

2. What are the consequences of overdue credit card repayment?

1, penalty interest for overdue credit card.

2. Overdue interest. After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.

3. Bad credit record. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records.

4. Litigation costs. If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to send a lawyer's letter to the user and bring a lawsuit to the court, and the litigation expenses will be borne by the cardholder.

5. Criminal responsibility for malicious overdraft.

Third, how long is the credit card overdue?

1, more than 3 months; If there are six or more overdue behaviors in three months, the bank will set you as a credit blacklist, and this list will be uploaded directly to the central bank center, so you can't apply for credit services in the next five years, which actually has a great impact on yourself.

2, three consecutive overdue; If the credit card is overdue for three consecutive times, the bank will characterize it as malicious overdue. Once it is determined that the credit card is maliciously overdue, the consequences will be more serious than the credit card overdue. Banks will also start legal means to safeguard their rights and interests according to law, and the scope, breadth and depth of the negative impact are unimaginable.

If there are six or more overdue behaviors within three months, the bank will set you as a credit blacklist, and this list will be uploaded directly to the central bank center. Credit service has a great influence on itself. I suggest that everyone must repay on time to avoid the impact of overdue. If you have any other credit card-related questions, please consult a lawyer online.