Business Tips and Marketing Advices

Does it have many credit card is good ?

We recommend that the customer is more mature and wise in having a credit card while still considering the level of need and ability to pay off credit cards that have been used. So that customers will realize there are consequences of credit card ownership compared to ability to pay.

How BI responding to customer complaints related to these debt collectors?

The bank and the customer must pay attention to ethics in business and comply with applicable legislation. In the rules we have outlined the principles that should referenced in carrying credit card debt collection activities that should not be carried out contrary to applicable law, among others, clearly prohibits the practice of violence, threats, and other inappropriate treatment in the negotiations. Although the bank delegates the billing to a third party, but the responsibility of the bank mandate giver.

When customers feel aggrieved bank customer what should be done?

Customer needs to clarify with the bank first. In terms of the settlement effort in the bank does not satisfy the customer then the customer may request mediation banking.

If there is a problem between the bank and the client how the client should behave?

In accordance PBI No.7/7/PBI/2005 about Customer Complaint Settlement, as amended by PBI No.10/10/PBI/2008 about Customer Complaint Settlement, customers can submit complaints to the bank’s problem. Furthermore, in the case are not satisfied with the settlement in the bank, customers can apply for a banking mediation (if the dispute meets the requirements as set forth in this regulation on banking mediation No.8/5/PBI/2006 as amended by PBI. 10 / 1 / PBI/2008).

Is true if one uses the services of a lawyer streets or street lawyer in repayment?

Using the services of a lawyer is the right of every citizen, however, to consider various aspects before using the services of these lawyers. In addition, the settlement payment between customers and banks in general depend on the outcome of negotiations between the customer and the bank where the granting / denial of the restructuring of the authority of the bank completely.

What is your advice when it comes to customer debt collector?

Present problems with payment difficulties encountered polite, and keep good faith  the customer to pay off debts.

And what must be done before the debt collectors come to the customer?

Customer should have good communication with the bank regarding the issue of payment difficulties faced  negotiations and bill payment.

Your feedback about credit card, what to put customers first before using credit cards?

The urgency of the credit card usage. That is, customers need to be prudent to determine whether the transaction with a credit card is needed or not. In practice, the customer uses a credit card with a reason to get a discount or easy payment installments on a product. This needs to be considered again by the client given the risks the imposition of interest or penalties that continue to cling on every transaction that has been done using a credit card.

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