For example, if the credit card of China Merchants Bank is overdue, will someone at China Merchants Bank send you a text message to inform you of the prosecution?

Four months after the credit card of China Merchants Bank was overdue, the bank sent a text message saying that it was likely to sue. After all, if the credit card is overdue for more than three months and the cardholder fails to repay it after repeated collection, then the issuing bank is capable of bringing a lawsuit to the court. In this regard, it is suggested that cardholders contact the staff of China Merchants Bank to show that their current repayment difficulties are not malicious, but that they really have no money to repay, and at the same time, they can provide corresponding proof materials to the bank; Then he expressed his willingness to actively repay, and negotiated with China Merchants Bank to see if he could stop the account and postpone the repayment, so that he would not sue.

If you still have some money on hand, you can return the card, and it is a little bit. If China Merchants Bank agrees not to sue and allows customers to negotiate repayment, then customers can negotiate a new repayment plan with China Merchants Bank and set a new repayment period, and then customers can repay on time according to the new repayment plan. And if China Merchants Bank still sues, customers don't have to worry too much. This is a civil dispute. As long as the customer repays honestly after the court decision, there will be no problem.

Communication skills with banks;

1. Be sure to talk to the staff of the bank credit card center, not the staff of the third-party outsourcing collection company. If you waste time and energy, you won't make any progress.

The performance appraisal of outsourcing companies is based on how much money is recovered, so their routine is to ask you to pay more and more. If you talk to them, you may even object to convention.

2, we must correctly distinguish the difference between the department staff and other related personnel after the formal loan of bank credit cards.

Now all the contacts on WeChat call themselves bank staff or bank lawyer representatives. However, after verification, most of them are outsourced collection personnel, posing as lawyers or bank personnel. So be sure to distinguish clearly, how to know if it is a real bank employee is also very simple:

A. Go to the credit card department of the bank and ask the relevant personnel at the back of the loan.

B. Leave the phone number and name of the caller on the phone and check it with the bank credit card in reverse.