Excuse me. Will it be collected at home after the deadline?

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Second, the specific analysis

Excuse me. After the deadline, it is mainly collected by SMS and telephone.

1, SMS reminder

Alipay is a formal and reliable platform after all. It mainly sends SMS and telephone reminders to inform borrowers of the current overdue amount and how many days it has been overdue. Repay in time, otherwise there will be a series of adverse consequences. At this stage, it is mainly to remind repayment, and there will be no drastic measures.

2. Telephone collection

After all, ant borrowing is an online loan. Even bank loans will use third-party collection companies. The same is true of borrowing. If the borrower fails to repay the loan for more than three months, he may take actions on the account, such as spending money, borrowing money, freezing the loan of online merchants, reducing the sesame score, and restricting some functions. He will also contact the borrower's address book and call for collection every day.

3. Account restrictions

Generally speaking, the amount of loans borrowed by ants is not very high, especially for people who borrow for the first time or have bad credit. The amount may be only a few thousand dollars. Even if the borrower doesn't pay it back, he won't sue or come to collect it. At most, he will limit his account and cannot continue to use it.

Online loan big data can clearly reflect the user's recent application for online loans, whether online loans are repaid on time, and whether identity information is suspicious. You can use credit inquiry tools such as "Beijian Quick Check" to get a detailed risk report.

Third, is the collection overdue at the meeting? How long will it disappear?

The overdue credit report was borrowed at the meeting, and the overdue credit report disappeared for five years.

Ant will upload the central credit information after the overdue loans overdue, and the overdue credit information record will be kept for five years after the overdue loan is settled. In these five years, users' borrowing again may be negatively affected, and serious overdue situation may affect users' normal consumption life. Therefore, users should repay on time according to the regulations.

Overdue credit reporting will affect users' future loan affairs and credit card applications, so they should repay on time after borrowing.