Quick comments 丨 Credit card holders are accepted by violence, and they are alert to the vicious circle of dual losses

On the one hand, I was anxious to return the account and collect it crazy, but they were unable to pay back the money, complain, or find a "side door trail" to deal with. To some extent, this will fall into a vicious cycle of double losses.

A user who complained to Minsheng Bank said the violence collection made him faceless. A few days ago, China Everbright Bank Credit Card Center and China Minsheng Bank Credit Card Center received a penalty of 800,000 yuan due to serious credit card collection. Some media reporters found that the two bank credit card centers that were punished in 2021 were high in 2021, and many cardholders complained that they had encountered violent collection. These include entrusted outsourcing companies to collect violence, on -site intimidation, leak personal information, phone SMS threats, telephone harassment, etc.

The phenomenon of credit card violence has long been for a long time. In order to cope with various collection, the so -called "anti -collection alliance" for charging services has been formed on the Internet. On the one hand, I was anxious to return the account and collect it crazy, but they were unable to pay back the money, complain, or find a "side door trail" to deal with. To some extent, this will fall into a vicious cycle of double losses.

Of course, debt should be repaid, however, no matter what ways to collect, it should not break through the boundary and bottom line of the rule of law. Those behaviors such as SMS bombing, telephone threats, and even on -site collection have severely disrupted the parties' work and life, and they are not allowed to allow them. In particular, there were media reports that some credit card centers also cooperated with third parties to commission or outsourcing to collect business. To a certain extent, in the invisible, the uncertainty and chaos of acquisition of harvesting behavior is acquiesced and enlarged.

Regarding collection, there is no shortage of laws and regulations. In the "Criminal Law Amendment (11)" implemented in 2021, the "crime of collecting illegal debt" was added. Although this is mainly aimed at violent collection in usury business, a clear signal of standardized collection has been sent out. In the "Guidelines for Credit Card Collection Work (Trial)" implemented earlier this year, it also clearly restricts credit card collection methods, standardized collection behavior, and external collection institutions management. The "Administrative Measures for the Protection of Consumer Rights Protection (Draft for Opinions)" issued by the Banking Insurance Regulatory Commission on May 19 also clearly cannot adopt unfair means such as violence, intimidation, fraud, and threats; Perform collection, etc.

In the perspective of the rule of law, the Bank Credit Card Center was not wronged because of "serious collection and caution". This shows that the financial regulatory agency is increasing the supervision and the protection of consumer rights in the financial industry. On the other hand, it also conveys signals that need to change the development model and standardize and orderly development in the field of credit cards.

In the past, some banks were seriously “inner rolls” in credit card business, and their desire for “horse racing” seemed to be greater than the pursuit of service quality. Some institutions even use credit cards and customers as the main assessment indicators. As a result, in terms of credit management and approval, card issuance threshold, and new cards, the "ruler" of some institutions is loose. In this way, the high incidence of over -credit phenomena also increases the probability of bad debts and extreme collection methods to a certain extent.

The "bright red card" of the chaotic cards for credit cards is the alarm bell for standardized development. Financial institutions should reflect in time and collect them in accordance with laws, but more importantly, to change some mode of credit card development. For users, it also needs to be tailored and consumed rationally. In this way, we can do a good job of risk control from the source to maintain the stable and healthy development of consumers' legitimate rights and interests and finance.

Editor Zhao Yu

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