China News Service, October 25th. According to the website of the Beijing Banking and Insurance Regulatory Bureau on the 25th, in recent years, some illegal organizations or individuals, in the name of "agent handling of credit card debts", have issued "stop collection", "anti-collection" and "full amount". Ads with headlines such as “interest-free”, “suspended interest payment” and “credit card debt restructuring” pretend to be legal workers to defraud consumers, obtain consumers’ personal financial information, charge high agency fees, seek illegal benefits, and seriously damage consumers’ legitimate rights and interests , disrupting the normal order of the financial market.

Beijing Banking and Insurance Regulatory Bureau reminds consumers: there are many routines for illegal "agent disposal of credit card debts"

Routine 1: Fake professionals publish false advertisements and exaggerate propaganda.

Pretending to be a lawyer, bank employee or related professional, and publishing on WeChat public accounts, QQ groups, online forums, short videos and other media platforms, "evading debts", "full interest-free", "credit repair and whitewashing", "professional anti-collection" ” and other false or misleading information, fabricating false success stories to exaggerate publicity, deleting and blocking unfavorable reviews, making false promises with the gimmick of “unsuccessful rights protection will not be charged”, etc., to deceive consumers to find their agents to deal with credit card debts.

Routine 2: Induce access to consumers' personal financial information and charge high fees.

Exaggerate the role of agents in handling credit card debts, induce consumers to authorize them to obtain personal financial information, and require ID numbers, credit card account numbers, contact information, home addresses and member information, and even require the mailing of original ID cards, credit cards, phone cards and other important personal documents , or require sensitive financial information such as password information, and charge consumers high agency fees, consulting fees or handling fees.

Routine 3: Incite consumers to fabricate facts, forge evidence, and maliciously evade debts.

Instigate consumers to ignore contractual agreements, violate the principle of good faith and even cross the legal bottom line, fabricate facts such as card application experience, forge evidence of poverty, serious illness, disability, etc., wrongly apply laws and regulations, use fixed complaint templates, and report to banks and regulators as consumers. Departments, government agencies, etc. make complaints and reports, and use this to put pressure on banking institutions to avoid debts.

Routine 4: Obstructing relevant departments from getting in touch with consumers and cutting off normal channels for rights protection.

Cut off direct contact and communication between consumers and banks and regulatory authorities, induce consumers to take excessive behaviors such as harassing and harassing interviews, and inappropriate rights protection, and even coerce consumers to repeatedly escalate complaints in the name of rights protection by seizing ID cards and other means, hindering consumption The normal negotiation between the banker and the bank, in order to obtain illegal benefits.

Beijing Banking and Insurance Regulatory Bureau reminds consumers that there are three major risks in illegal "agent disposal of credit card debts"

Risk 1: There are many hidden dangers of personal information leakage.

Consumers provide important personal identity information, personal financial sensitive information, etc. to illegal agents, and face the risk of being sold and used illegally by criminals, such as malicious overdraft of credit cards, counterfeit small loans, counterfeit bank card theft Brush or participate in money laundering illegal and criminal activities, etc.

Risk 2: Personal credit damage has a great impact.

If consumers believe in the so-called "rights protection" method of illegal agents, delay or suspend repayment and refuse to communicate with the bank, it is very likely that the overdue repayment will lead to bad records of consumers' personal credit information, and the subsequent loans, house purchases, car purchases will be badly recorded. and even adversely affect employment.

If consumers are instigated by illegal agents to participate in fabricating facts and providing false materials to make malicious complaints, they may also face legal risks and be suspected of breaking the law.

Risk 3: The risk of personal capital loss is high.

If a consumer chooses an agent to deal with credit card debts, the normal negotiation channel with the bank will be cut off, which will cause a delay in the coordination and processing progress. In addition to the increase in interest charges due to overdue, consumers also need to bear high consulting fees, Agency service fees or handling fees will increase your own debt burden.

In addition, consumers who provide detailed personal information and even bank card passwords to illegal agents may also face theft of bank cards, resulting in unnecessary loss of funds.

Beijing Bureau of Banking and Insurance Regulatory Commission reminds consumers: learn to use credit cards correctly, and be alert to the trap of illegal "agent handling of credit card debts"

First, fully and clearly understand the functions of credit cards and understand consumers.

The credit card has a revolving overdraft function, and the repayment situation will directly affect the personal credit information.

Consumers must carefully read the credit card application contract, credit card regulations, etc. when applying for a card, fully understand the important content involved in application, use, fee and interest collection, reconciliation and repayment, familiar with the rules of credit card use, and use credit cards correctly.

After applying for the card, please note that the credit card must be held by yourself, not to be kept by others, and not to be rented out to others for use.

The second is to consume credit cards within your capacity and develop a good habit of repaying on time.

Credit card consumers need to pay attention to cultivating the concept of rational consumption and avoid "impulsive consumption" and "excessive consumption". In order to ensure the normal use of credit cards, it is necessary to avoid abnormal card use behaviors such as cashing out credit cards or illegally changing the use of credit card funds. Remember to check and repay the credit card account balance on time to avoid overdue records affecting personal credit.

The third is to recognize the true face of illegal agents, and do not disclose personal information.

Credit card consumers need to pay attention to enhancing personal rights protection and information security awareness. They should not participate in illegal acts such as fictitious facts and forged evidence. They should not provide important personal information to illegal agencies, so as to avoid uncontrollable risks caused by information leakage. .

If you find that your legitimate rights and interests have been violated by illegal acts, you should retain evidence and report the case to the public security organs in a timely manner to protect your rights and interests through legal channels.

Fourth, it is necessary to protect rights in a rational and lawful manner through formal channels.

If consumers have any objection to the bank's credit card service, they can complain directly to the bank; if they cannot be resolved, they can apply for mediation to an industry mediation organization; if they have not been resolved, they can submit an arbitration to an arbitration institution or file a lawsuit in a people's court according to the agreement. , claiming civil rights and interests in accordance with the law.

Remember not to believe in false promises made by illegal agents, and avoid being deceived, resulting in "empty" of money and credit.

(Zhongxin Finance)